Method and system for vendor management

ABSTRACT

A method and system for managing business transactions, such as mortgages or other financial transactions. A business transaction between an end user and a financial institution includes sub-transactions between the end user and a vendor. A software system performs functions to complete the business transaction. Automated ordering allows an end user to quickly and easily order a sub-transaction without input from the financial institution or the vendor, and also automatically orders sub-transactions upon satisfaction of a trigger event. Vendor management functionality allows a financial institution to manage the transactions of a vendor. Qualitative performance analysis functionality allows an end user to monitor and evaluate a vendor&#39;s price, turn-around time, quality score, and overall score. Vendor distribution functionality distributes sub-transactions among vendors. Vendor management company functionality allows a vendor management company—a vendor that outsources some or all of its sub-transactions to independent service providers—to effectively use the system.

This application claims priority to applicants' U.S. ProvisionalApplication Ser. No. 60/502,273 titled “METHOD AND SYSTEM FOR VENDORMANAGEMENT” filed Sep. 12, 2003. The entirety of this patent applicationis incorporated herein by reference.

BACKGROUND OF THE INVENTION

1. Field of the Invention

The present invention relates to a method and system for managingbusiness transactions that require goods or services from multiplevendors, and in particular to a method and system for providing abanking transaction to an individual while managing sub-transactionswith one or more vendors.

2. Background of the Technology

There exist in the art paper-based methods and systems for completingfinancial transactions, such as providing mortgages, but these systemsare typically slow and costly. Computer-implemented systems to managefinancial transactions are also known, but these systems typically donot contain functionality to manage each step in the lifespan of afinancial transaction. In particular, they do not provide functionalityto initiate or track sub-transactions that are necessary for thecompletion of a financial transaction.

There is an unmet need in the art for methods and systems for themanagement of financial transactions, that include functionality tomanage sub-transactions. A sub-transaction, also interchangeablyreferred to herein as an order or a product, relates to goods orservices being provided during the life of the transaction, andsub-transactions help to define parameters of the transaction orotherwise bring the transaction to completion. For example, a financialinstitution or other company (also interchangeably referred to herein asa customer), such as a mortgage company, wishes to make a transactionwith an end user. For example, the transaction may be providing amortgage, and the end user may be an individual or business. Thetransaction may require the completion of one or more sub-transactions.One example of such a sub-transaction is a home inspection.Sub-transactions include transactions between the end user and a vendor,such as an inspection company, which has a service agreement with thefinancial institution. Sub-transactions also include, for example,transactions between the end user and the financial institution, betweenthe financial institution and a vendor, or between a vendor and anotherparty, such as an independent service provider.

There is an unmet need in the art for automated vendor distributionfunctionality that enables a financial institution or another requestingparty to automate the distribution of sub-transactions to selectvendors. There is a further need to provide order tracking and ordermanagement functionality. There is also a need to create a system thatis tailored to the needs of a vendor management company. A vendormanagement company, also interchangeably referred to herein as a networkvendor, is a vendor which itself outsources some or all sub-transactionsto local independent contractors or service providers.

SUMMARY OF THE INVENTION

The present invention provides a structure and platform that embodies aneffective method and system for managing business transactions betweenan end user and a financial institution, where the business transactionsinclude one or more sub-transactions between a vendor and the end useror financial institution. For example, when an end user obtains a loanfrom a financial institution or enters into another financialtransaction, goods and services are ordered in conjunction with the loanor other financial transaction. These goods and services, orsub-transactions, include, for example, a flood order, an inspection, abusiness process outsourcing (BPO), an appraisal, an automated valuationmodel (AVM), a mortgage insurance (MI) policy, or other sub-transactionsassociated with the loan or other financial transaction. In oneembodiment, the present invention includes systems and methods forordering these sub-transactions from vendors. The sub-transactions maybe ordered by the end user, by the financial institution, by a member ofan outsourced labor force, by a real estate agent or other agent for theend user, or by another party. In one embodiment, the present inventionincludes systems and methods for selecting a vendor for asub-transaction.

In addition, in one embodiment, the present invention is branded andcustomized to a particular financial institution or other company.Furthermore, the present invention allows outsourcing of non-automatedtransaction management operations, such that, for example, the humanlabor force required for transaction management is outsourced to a thirdparty or other entity that is, for example, unrelated to the financialinstitution.

The present invention streamlines business processes, such as providingmortgages or performing other financial transactions, by, among otherthings, automating many traditionally manual steps. This eliminatesmanual errors and reduces cost, and also does not require a company tohire additional employees. The present invention is capable of beingintegrated into existing business infrastructure, and is capable ofinterfacing with other software applications.

The present invention enables mortgage lenders and others to reengineertheir mortgage origination and servicing processes. This reducesoperating costs and allows for a process that is fully electronic.

One embodiment of the present invention provides automated orderingfunctionality. In one embodiment, automated ordering apprises an enduser that a particular sub-transaction is required or optional, andallows an end user to quickly and easily order a sub-transaction,without input from the financial institution or the vendor. In oneembodiment, automated ordering functionality also automatically orderssub-transactions upon the ordering of a transaction or is otherwiseautomatically triggered. Automated ordering may thereby reduce cost andmay reduce erroneous ordering.

One embodiment of the invention includes vendor management processingand set-up functionality. This functionality allows a financialinstitution to manage the transactions of a vendor, including real-timecalculation of vendor capacity, threshold, and late-order ratios.

One embodiment of the invention includes qualitative performanceanalysis functionality. This functionality allows an end user or otherrequesting party to monitor and evaluate a vendor's price for a givensub-transaction, as specified in the service contract between the vendorand the financial institution. This functionality also allows an enduser or other requesting party to monitor and evaluate such measures asa vendor's turn-around time and quality score. The qualitativeperformance analysis functionality further calculates an overall scorefor the vendor, such as by combining and weighting the turn-around andquality scores and providing a score via a scoring mechanism forevaluating a vendor's turn-around time performance.

One embodiment of the invention includes vendor distributionfunctionality. This functionality distributes sub-transactions amongvendors, taking into account criteria such as a vendor's price,turn-around time, quality score, capacity, threshold, late order ratios,outstanding late order volume, outstanding new order volume, and thelike. Vendor distribution functionality also includes functionality towithhold order distribution to a specified vendor for a specified periodof time.

One embodiment of the invention includes vendor management companyfunctionality. This functionality allows a vendor managementcompany—e.g., a vendor that outsources some or all of itssub-transactions to independent service providers or the like—toeffectively use the system. This functionality provides a vendormanagement company with many of the same tools available to thefinancial institution, such as automated distribution of orders toindependent service providers and qualitative analysis of theindependent service providers.

One embodiment of the invention provides a customizable system that canbe tailored for a particular financial institution or other company.Customizing the system includes branding the system, or altering thelook, feel, and user interaction with the system. Customizing the systemfurther includes tailoring the capabilities of the system in accordancewith vendor rules and policies concerning the requirements fortransactions and sub-transactions. In one embodiment, customizing thesystem also includes adding automated support for the day-to-dayoperations of a particular financial institution or other company.

One embodiment of the invention provides a method and system that allowoutsourcing of the human labor force that performs non-automatedtransaction management tasks. Outsourcing allows the system to beimplemented in such a way that the financial institution or the vendorshave little or no interaction with the system.

In one implementation, each type of transaction has a unique profile.The profile specifies, for example, the relationship between an end userand the financial institution. For example, the profile may specify theterms of a home loan. To select a transaction for a particular end user,in one embodiment, parameters matching the end user's requirements areinput, and a transaction with a profile matching the input parameters isselected. Furthermore, the profile for a given transaction specifies,for example, which sub-transactions are required or are optional for thetransaction. This assists in triggering automatic ordering ofsub-transactions.

Additional advantages and novel features of the invention will be setforth in part in the description that follows, and in part will becomemore apparent to those skilled in the art upon examination of thefollowing or upon learning by practice of the invention.

BRIEF DESCRIPTION OF THE FIGURES

In the drawings:

FIG. 1 shows various features of an example computer system for use inconjunction with an embodiment of the present invention;

FIG. 2 presents an example flow diagram of functions performed inaccordance with an embodiment of the present invention;

FIG. 3 presents an exemplary system diagram of various hardwarecomponents and other features, in accordance with an embodiment of thepresent invention;

FIG. 4 is a block diagram of various system components, in accordancewith an embodiment of the present invention;

FIG. 5 presents an example flow diagram of functions performed inaccordance with an embodiment of the present invention;

FIG. 6 presents an example flow diagram of functions performed inaccordance with an embodiment of the present invention;

FIGS. 7-57 show sample Graphical User Interface (GUI) screens presentedto a user in conjunction with an embodiment of the present invention;

FIG. 58 is a block diagram illustrating a sample corporate hierarchy inconjunction with an embodiment of the present invention;

FIG. 59 is a block diagram illustrating various functionalities of asystem in conjunction with an embodiment of the present invention; and

FIGS. 60-61 illustrate a branded customer portal in conjunction with anembodiment of the present invention.

DETAILED DESCRIPTION

Among other advantages, the present invention maximizes processefficiencies and reduces customer costs by automating additionalprocesses in the transaction management lifecycle. For example, when anend user obtains a loan from a financial institution or enters intoanother financial transaction, goods and services are ordered inconjunction with the loan or other financial transaction. These goodsand services, or sub-transactions, include, for example, a flood order,an inspection, a business process outsourcing (BPO), an appraisal, anautomated valuation model (AVM), a mortgage insurance (MI) policy, orother sub-transactions associated with the loan or other financialtransaction. In one embodiment, the present invention includes systemsand methods for ordering these sub-transactions from vendors. Thesub-transactions may be ordered by the end user, by the financialinstitution, by a member of an outsourced labor force, by a real estateagent or other agent for the end user, or by another party. In oneembodiment, the present invention includes systems and methods forselecting a vendor for a sub-transaction.

Advantages of the present invention include the following: 1) providingcustomers with superior vendor management tools to automate the vendormanagement process; 2) creating a competitive advantage in the vendormanagement and transaction management market space; and 3) providingsufficient tools and features to eliminate the need to maintain anotherorder tracking system.

The present invention works in conjunction with features designed toprovide foundational vendor management functionality, as well asautomated vendor distribution tools. Automated vendor distributionfunctionality provides requesting parties with the ability to automatethe distribution of orders to select service providers based uponvarious loan file criteria, as well as such factors as geographiclocation, vendor capacity, and threshold limits. The present inventionprovides additional vendor management functionality to a suite ofmanagement tools.

The present invention also provides features to satisfy the ordertracking and management needs of the system manager. These additionalfeatures reduce operational costs as well as expand the functionality toencompass the needs of the vendor management company, also hereininterchangeably referred to as a Network Service Provider (serviceprovider who outsources a majority of the products and services to localindependent service providers).

The present invention contains features that address the followingareas, among others: 1) automated ordering; 2) vendor managementprocessing/set-up; 3) enhanced qualitative analysis; 4) vendordistribution enhancements; 5) vendor management company accommodations;and 6) financial institution operational needs.

Automated Ordering

The Automated Ordering functionality offers full end-to-end orderplacement automation, optionally without the need for user intervention.This feature reduces customer costs due to the reduction in manualprocesses, and also reduces erroneous product ordering (e.g., orderingthe wrong set of products for a specified loan).

The Automated Ordering feature allows users to utilize File and Orderdata to determine which products to order and when to order them. Forexample, a customer is able to automatically order a BPO for loans witha loan type of “refinance,” and to order a full appraisal for loans witha loan type of “purchase.” The functionality is designed to also combinecomparison logic to automate the order placement process. For instance,a customer may want loans with a loan-to-value ratio (LTV) greater than95%, and with a loan product of “home equity line of credit” (HELOC),handled differently than loans with a loan-to-value ratio (LTV) lessthan 95% and loan product of “conforming.” Essentially, the AutomatedOrdering features handle the typical decision making scenarios thatcustomers face on a daily basis.

To maximize the effectiveness of Automated Ordering functionality, oneembodiment of the present invention offers automated product selectionand order placement capabilities for various scenarios, such as filecreation and order fulfillment.

The file creation scenario enables customers to trigger the automatedproduct selection and order placement at the time a file is created.Under this scenario, file level data is utilized to determine theappropriate products to order for the specified file. The file leveldata includes typical order placement data, such as Premium Type, RateType and Renewal Type for the Mortgage Insurance product.

The order fulfillment scenario enables automatic product selection andorder placement based upon order fulfillment data. Under this scenario,order fulfillment data is utilized to determine the appropriate productsto order for the specified file. An example would be when a customerorders an AVM product and would like a BPO ordered if the AVMfulfillment Property Value is 10% less or greater than the EstimatedProperty Value.

In one embodiment, automated product selection enables requesters tocreate custom decision rules to automatically place orders for requiredproducts. The decision rules are based, for example, on “If, Then” logicand can include any data element from the following: loan data(pre-fulfillment data), indicating the type of loan or othertransaction; fulfillment data, indicating which orders have beencompleted; and file/order status data, indicating the status ofoutstanding orders.

Loan data (pre-fulfillment data) indicates the type of loan or othertransaction. In one embodiment, loan data also includes data indicatingwhich products to order for the transaction. Loan data triggers, forexample, the automatic ordering of necessary products based on file dataor other transaction data. Automated ordering based on loan dataeliminates the product ordering decision process and provides tool toensure that Vendor Order Allocation requirements are satisfied.

Fulfillment data indicates which orders have been completed. Fulfillmentdata triggers, for example, the ordering of subsequent products based onthe result of fulfillment data. For example, when an AVM value isdelivered and it is greater than 20% of the original appraised value, aBPO is automatically ordered. Automated ordering based on fulfillmentdata eliminates the manual processing that occurs when products arefulfilled. For example, if the product is rejected, the order isautomatically placed with a different vendor. As another example, if thefulfillment data does not meet the acceptance rules, an alternativeproduct is automatically ordered.

File/order status data indicates the status of outstanding orders.File/order status data triggers, for example, automatic ordering ofalternative or supplemental products based on the result of specifiedstatus changes. For example, when a mortgage loan is funded, an MIpolicy can automatically be activated and a flood zone determination canbe automatically upgraded from a one-time to a life-of-loan. Automatedordering based on file/order status data eliminates the manualprocessing that occurs when the status of a file or order changes.

Vendor Management Processing

The Vendor Management Processing features enable real-time calculationof vendor capacity, threshold and late order ratios; enhancedacknowledgement file capabilities; and enhancements to vendor managementdistribution processing trigger, including pre-order placement.

The present invention also provides functionality to aid vendors andVendor Management Companies (VMCs). One embodiment of the presentinvention includes functionality to automate the selection of anindependent service provider for an order. Vendor Management Processingfeatures also provide functionality to score independent serviceproviders.

One embodiment of the present invention uses a parent-childinfrastructure to describe corporations, such as vendors. Thus, acorporation may be described a hierarchy. For example, a corporation isdescribed as a parent, subsidiaries are described as children of thecorporation, and offices are described as children of subsidiaries.Users are described as children of offices. The present invention mayinclude additional parent-child infrastructure describing some users aschildren of others. Additionally, work groups may be defined, whichinclude users from one or more offices. This is simply one example of aparent-child hierarchy for a corporation. Many others are possible.

The parent-child infrastructure (PCI) enables support of companies withmultiple levels in their corporate hierarchy. PCI provides the abilityto track orders and generate reports at any level in the hierarchy.

PCI features enable vendors or others to: customize corporate levellabels, add offices at each level, add users to each office, view thecorporate hierarchy, add users to multiple workgroups, assign orders toworkgroups, search files by corporate level and office, generate reportsby corporate level and office, view the administrative history log,provide certain privileges (e.g., menu options, products to order, orderassignment) for normal users, access enhanced setup for products toorder, bulk assign orders to workgroups, assign files to users orworkgroups, bulk assign files to a project, or display file assignmentin the order manager.

Qualitative Analysis

The Qualitative Analysis segment provides qualitative performanceanalysis tools for customers. Features enable the requesting party tomonitor and evaluate a service provider's Service Level Agreement price,turn-around time, and quality score. Qualitative analysis functionalityalso generates a unique score for each customer's service provider bysupporting the ability to combine and weight the qualitative andtimeline performance scores. Embodiments of the invention also include ascoring mechanism for evaluating a service provider's turn-around-timeperformance. These Qualitative Analysis functionalities allow forgreater support of multiple vendor selection methodologies.

In one embodiment, a cumulative vendor score is based on a customizedratio. The cumulative vendor score is calculated, for example, bysumming a weighted vendor quality score and a weighted vendor servicescore. The vendor quality score may incorporate factors such as customersatisfaction and price, and the vendor service score may take intoaccount such factors as late orders and turnaround time.

Vendor Distribution

The present invention provides functionality to automatically distributework to vendors based on a set of criteria. These criteria include thefeatures of the Qualitative Analysis segment, as well as additionaldistribution criteria and logic. The present invention provides theability to manage the distribution levels based upon a serviceprovider's outstanding late order volume and new order volume, as wellas withholding order distribution to a specified vendor for a specifiedperiod of time.

Vendor Management Company Accommodations

The present invention provides additional functionality for VendorManagement Companies (VMCs). VMCs maintain and manage large groups ofindependent service providers. An example would be a company thatreceives nationwide orders for appraisal services and in turndistributes those orders to smaller independent service providers acrossthe nation. The independent service provider then submits the productfulfillments back to the VMC. The VMC then reviews the work product forquality and transfers the fulfillment to the original ordering party.The present invention provides the VMC with the same vendor managementtools available to the Requestor. The present invention allows a VMC toautomate the distribution of orders to their down-line serviceproviders, or perform qualitative analysis of the down-line serviceprovider's performance.

Financial Institution Operational Needs

The present invention provides a set of operational tools to support theday-to-day operational and management needs of the financialinstitution. The tools are fully integrated with applications and mayeven reside with the present invention. By providing operational toolsfor the customer, the customer can eliminate the need to maintain andmanage a separate order tracking system.

In one embodiment of the present invention, an outsourced labor forceassists in non-automated transaction management operations. In oneembodiment, the labor force-assisted operations include, for example:mortgage origination transactions, such as processing, decisioning, andclosing; accounting services, such as cashiering, accounts payable,corporate accounting functions, and investor reporting; call centerservices, such as early stage collection, inbound customer servicecalls, skip tracing, and late stage unsecured collections; titleinsurance services, such as assignments and lien releases; mortgageservicing, such as customer research/services, escrow, payoffs and loansatisfactions, and loan setup/imaging; default services, such as loanresolution/bankruptcy and foreclosure/REO/claims; real estate analytics,such as reality advisors, commercial servicing, and mortgageanalytics/capital markets; and data entry services.

Example embodiments will now be described in conjunction with thefollowing figures.

FIG. 1 shows various features of an example computer system 600 for usein conjunction with an embodiment of the present invention. As shown inFIG. 1, the computer system is used by a requestor 602 or arepresentative of the requestor 602 to order goods or services from avendor 604. The system includes a REALPayments and Softrax module 606that includes functionality for billing, billing presentment, charges,pricing, and vendor setup. The system also includes a REALPaymentsmodule 608 that includes functionality for approval, dispute resolution,invoice, payments, and constructive receipts. The system 600 alsoincludes functionality for invoice creation. The system 600 alsoincludes or otherwise has access to one or more databases, such as, forexample, a REALServicing database 610, a REALTrans database 612, anaccounts receivable (AR) database 614, an accounts payable (AP) database616, and a general ledger (GL) database 618. Features of theREALPayments and Softrax module 606, the REALPayments module 608, andthe REALServicing, REALTrans, AR, AP, and GL databases 610, 612, 614,616, and 618 are described in U.S. patent application Ser. No.09/512,845 titled “Method for Workflow Processing Through ComputerNetwork,” filed Feb. 25, 2000; U.S. patent application Ser. No.10/102,104 titled “Management and Reporting System and Process for Usewith Multiple Disparate Data Base,” filed Mar. 19, 2002; U.S. patentapplication Ser. No. 10/408,079 titled “Method and Apparatus forProviding Selective Access to Information,” filed Apr. 4, 2003; U.S.Provisional Application Ser. No. 60/495,103 titled “Electronic Ordering,Invoice Presentment, and Payment System and Method,” filed Aug. 15,2003; U.S. patent application Ser. No. 10/729,019 titled “ExpenseTracking, Electronic Ordering, Invoice Presentment, and Payment Systemand Method,” filed Dec. 8, 2003. The entirety of each of those patentapplications is incorporated herein by reference.

FIG. 2 presents an example flow diagram showing the pages a user mightencounter, in accordance with an embodiment of the present invention. Auser first places an order 500. If Vendor Management (VM) is notenabled, an Xpress ordering Graphical User Interface (GUI) screen isdisplayed 502. The user then, for example, selects one or moresub-transactions (also referred to as orders or products) 504, andsubmits the order 506.

If VM is enabled, a VM Xpress ordering GUI page is displayed 508. IfAutomated Product Selection (APS) is used, the APS profile is processed510 and the sub-transaction or product(s) is selected 512. If APS is notused, the user then selects products 504. The order is then submitted506.

If AVS is used, the AVS engine processes order and vendor parameters 514and selects a vendor(s) 516.

If only one sub-transaction, product, or order has been triggered, avendor criteria GUI screen is displayed 518 and vendor criteria areselected. The vendor criteria are then submitted 520. The file data forthe transaction are retrieved 522. Some fields in the order orsub-transaction are populated with data from the transaction 524, and aproduct order form GUI screen is displayed. A user edits the productorder form, and the order form is then submitted 526. Information aboutthe order or sub-transaction is displayed 528, for example,automatically or at a request from a user.

If more than one product, order, or sub-transaction have been triggered,a vendor selection GUI screen is displayed 530, and the user edits apre-selected vendor list. The edited vendor list is then submitted 532.The file data for the transaction are retrieved 534 and fields in thesub-transactions are populated with data from the transaction. Aconsolidated order form GUI screen is displayed 536. The order form issubmitted 538 and the information about the orders or sub-transactionsis displayed 540.

In one embodiment, the invention includes machine-executableinstructions stored in a computer-readable medium. Thesemachine-executable instructions include software functions that performspecific actions. A list of the software functions of this embodiment isshown in Table 1.

The present invention may be implemented using hardware, software or acombination thereof and may be implemented in one or more computersystems or other processing systems. In one embodiment, the invention isdirected toward one or more computer systems capable of carrying out thefunctionality described herein. An example of such a computer system 200is shown in FIG. 3.

Computer system 200 includes one or more processors, such as processor204. The processor 204 is connected to a communication infrastructure206 (e.g., a communications bus, cross-over bar, or network). Varioussoftware embodiments are described in terms of this exemplary computersystem. After reading this description, it will become apparent to aperson skilled in the relevant art(s) how to implement the inventionusing other computer systems and/or architectures.

Computer system 200 can include a display interface 202 that forwardsgraphics, text, and other data from the communication infrastructure 206(or from a frame buffer not shown) for display on the display unit 230.Computer system 200 also includes a main memory 208, preferably randomaccess memory (RAM), and may also include a secondary memory 210. Thesecondary memory 210 may include, for example, a hard disk drive 212and/or a removable storage drive 214, representing a floppy disk drive,a magnetic tape drive, an optical disk drive, etc. The removable storagedrive 214 reads from and/or writes to a removable storage unit 218 in awell-known manner. Removable storage unit 218, represents a floppy disk,magnetic tape, optical disk, etc., which is read by and written toremovable storage drive 214. As will be appreciated, the removablestorage unit 218 includes a computer usable storage medium having storedtherein computer software and/or data.

In alternative embodiments, secondary memory 210 may include othersimilar devices for allowing computer programs or other instructions tobe loaded into computer system 200. Such devices may include, forexample, a removable storage unit 222 and an interface 220. Examples ofsuch may include a program cartridge and cartridge interface (such asthat found in video game devices), a removable memory chip (such as anerasable programmable read only memory (EPROM), or programmable readonly memory (PROM)) and associated socket, and other removable storageunits 222 and interfaces 220, which allow software and data to betransferred from the removable storage unit 222 to computer system 200.

Computer system 200 may also include a communications interface 224.Communications interface 224 allows software and data to be transferredbetween computer system 200 and external devices. Examples ofcommunications interface 224 may include a modem, a network interface(such as an Ethernet card), a communications port, a Personal ComputerMemory Card International Association (PCMCIA) slot and card, etc.Software and data transferred via communications interface 224 are inthe form of signals 228, which may be electronic, electromagnetic,optical or other signals capable of being received by communicationsinterface 224. These signals 228 are provided to communicationsinterface 224 via a communications path (e.g., channel) 226. This path226 carries signals 228 and may be implemented using wire or cable,fiber optics, a telephone line, a cellular link, a radio frequency (RF)link and/or other communications channels. In this document, the terms“computer program medium” and “computer usable medium” are used to refergenerally to media such as a removable storage drive 214, a hard diskinstalled in hard disk drive 212, and signals 228. These computerprogram products provide software to the computer system 200. Theinvention is directed to such computer program products.

Computer programs (also referred to as computer control logic) arestored in main memory 208 and/or secondary memory 210. Computer programsmay also be received via communications interface 224. Such computerprograms, when executed, enable the computer system 200 to perform thefeatures of the present invention, as discussed herein. In particular,the computer programs, when executed, enable the processor 204 toperform the features of the present invention. Accordingly, suchcomputer programs represent controllers of the computer system 200.

In an embodiment where the invention is implemented using software, thesoftware may be stored in a computer program product and loaded intocomputer system 200 using removable storage drive 214, hard drive 212,or communications interface 224. The control logic (software), whenexecuted by the processor 204, causes the processor 204 to perform thefunctions of the invention as described herein. In another embodiment,the invention is implemented primarily in hardware using, for example,hardware components, such as application specific integrated circuits(ASICs). Implementation of the hardware state machine so as to performthe functions described herein will be apparent to persons skilled inthe relevant art(s).

In yet another embodiment, the invention is implemented using acombination of both hardware and software.

FIG. 4 presents an exemplary system diagram of various hardwarecomponents and other features in accordance with an embodiment of thepresent invention. As shown in FIG. 4, in an embodiment of the presentinvention, data and other information and services for use in the systemis, for example, input by an end user 30 via a terminal 31. The terminal31 is coupled to a server 33 via a network 34, such as the Internet, viacouplings 35, 36. In one embodiment, a vendor 39 also inputsinformation/data via a terminal 37 coupled 38 to the network 34.Furthermore in one embodiment, a member of an outsourced workforce 40inputs information/data via a terminal 41 coupled 42 to the network 34,and in another embodiment, a member of a financial institution workforce43 inputs information/data via a terminal 44 coupled 45 to the network34.

Each of the terminals 31, 37, 41, 44 is, for example, a personalcomputer (PC), minicomputer, mainframe computer, microcomputer,telephone device, personal digital assistant (PDA), or other devicehaving a processor and input capability. The terminal 31 is coupled to aserver 33, such as a PC, minicomputer, mainframe computer,microcomputer, or other device having a processor and a repository fordata or connection to a repository for maintained data,

In operation, in an embodiment of the present invention, via the network34, vendor data, transactional data, sub-transactional data, order dataand/or other information is communicated with the server 33. The server33 receives and resolves the transaction including triggering andresolving sub-transactions, stores data regarding the transaction,vendor, and sub-transaction, and documents the transaction (e.g.,electronically).

In one embodiment, the present invention uses active server page (ASP)technology to deliver information and services to a user. This mayinclude one or more ASPs stored on the server 33. This reduces themaintenance expense and hardware expense, results in limitedimplementation/integration costs, limited support expense, and low totalcost of ownership.

In one embodiment of the present invention, information relating to atransaction, such as a loan, is stored electronically. This informationis referred to interchangeably as a virtual loan file. Among otherthings, the virtual loan file enables data mining, reduces post closingquality reviews, facilitates secondary market due diligence, streamlinesloan servicing functions, reduces data archive costs, reduces processingcosts, automates routine and decision based processes, and reduces dataentry errors.

In one embodiment, the present invention includes a branded customerportal, which enables a customer, such as a mortgage company, to tailorthe look and feel of a software system, as well as the information andservices provided by the software system, to the company's particularneeds.

FIG. 5 shows an example flow diagram of a process for providingautomatic ordering for a sub-transaction associated with a particulartransaction, in accordance with an embodiment of the present invention.This flow diagram demonstrates automatic ordering of a sub-transaction,triggered by the input of a transaction. As shown in FIG. 5, specificparameters for a particular transaction, such as a loan, are input intothe system 300. In one implementation, this action is performed, forexample, by a member of an outsourced labor force. Alternatively, theparameters are input by an end user, such as an individual wishing toobtain a mortgage. The parameters input into the system are thenprocessed 302. A transaction matching the input parameters is thenselected 304. For example, a particular type of home loan may beselected that matches the parameters. If there is no transaction with aprofile matching the parameters, the file or transaction is moved to anexception bin 306.

In one embodiment, if a transaction matching the input parameters isselected, one or more sub-transactions or orders, such as providingproducts or services, are automatically selected 308. Thesub-transactions automatically selected 308 are, for example,sub-transactions that are required for the selected transaction. If theauto-vendor selection function is not present or is not selected, thesub-transactions, also referred to as orders, move to the vendorselection page 310, and vendor(s) for the sub-transaction(s) aremanually selected 311. The vendor(s) are manually selected 311, forexample, by an end user, by an employee of the financial institution, orby a member of a third-party outsourced labor force.

If the auto-vendor selection function is present and is enabled, avendor is automatically selected 312. If no additional information forthe sub-transaction or order is required, the order is placed 314. Ifadditional information for the sub-transaction or order is required, anorder form corresponding to the order is edited 316, for example, by anend user, by an employee of the financial institution, or by a member ofa third-party outsourced labor force. In one embodiment, additionalinformation is input 318, by such users as, for example, the end user,the employee of the financial institution, or the member of athird-party outsourced labor force. The order is then placed 320.

FIG. 6 shows an example flow diagram of a process for providingautomatic ordering for a sub-transaction associated with a particulartransaction, in accordance with an embodiment of the present invention.This flow diagram demonstrates automatic ordering of a secondsub-transaction, triggered by the completion of a first sub-transaction.This type of triggering may be useful, for example, in situations inwhich two or more sub-transactions must occur in a particular sequence.The sequence of the sub-transactions is be specified, for example, inthe profile for a particular transaction.

The automatic ordering process begins, for example, when a vendor sendsa product fulfillment indication 400, signifying that the vendor hascompleted a first sub-transaction. The sub-transaction is associatedwith a particular instance of a particular transaction, such as aparticular type of home loan for a particular end user. The productfulfillment is then received 402. In one embodiment, a particularidentification code is examined or processed 404 to identify theinstance of the transaction. The parameters of the instance of thetransaction are processed or updated 406.

Fulfillment profile selection 408 is then performed. This includes, forexample, examining the profile for the transaction to determine if thefulfillment of the first sub-transaction triggers a secondsub-transaction. If the profile does not indicate that a secondsub-transaction should be triggered, no action is taken 410. If theprofile indicates that one or more second sub-transactions should betriggered, the subsequent sub-transaction(s) are selected 412 (e.g.,automatically). The following actions are then optionally performed foreach of the subsequent sub-transaction(s). Automatic Vendor Selection(AVS) rules are examined and run 414, and an AVS profile is selected416. If there is a problem with one of the AVS processing functions, thefile or loan is moved to an exception bin 418. Otherwise, a vendor isselected 420 (e.g., automatically) for the subsequent sub-transactionand an order is placed 422 for the subsequent sub-transaction.

FIGS. 7-56 illustrate example GUI screens presented to a user orderinggoods and services, in accordance with an embodiment of the presentinvention. After logging in or otherwise entering the system, a user ispresented with the GUI screen of FIG. 7. The user selects “Vendor Admin”and is presented with the GUI screen of FIG. 8. The user selects “ScoreCards” and is presented with the GUI screen of FIG. 9. The user selects“Cumulative Score” and is presented with the GUI screen of FIG. 10. TheGUI screen presents the user with all the cumulative score cards theuser has previously created, and presents the user with an option tocreate a new cumulative score card.

The user selects “Create new score card” and is presented with the GUIscreen of FIG. 11. The user enters information pertaining to the itemsand vendors to be scored in FIGS. 11-12, and selects “Save” to create anew score card.

If the user selects “Service Score” from the GUI screen of FIG. 9, theGUI screen of FIG. 13 is presented. This screen displays all the servicescore cards, each card including a timeliness score or service score.The user has the option to create a new service score card by enteringinformation into the GUI screens of FIGS. 14-15.

If the user selects “Automated Scoring” from the GUI screen of FIG. 9,the GUI screen of FIG. 16 is presented. This screen displays all theautomated score cards. The user has the option to create a new automatedscore card by entering information into the GUI screens of FIGS. 17-18.

If the user selects “Quality score” from the GUI screen of FIG. 9, theGUI screen of FIG. 19 is presented. This screen displays all the qualityscore cards, which score the quality of work. The user has the option tocreate a new quality score card by entering information into the GUIscreen of FIG. 20.

FIG. 21 is a GUI screen that allows a user to select a vendor for aparticular order and to transmit the order to the vendor. FIGS. 22-23are GUI screens that allow a user to place a bulk order for an orderpackage consisting of two or more goods or services. Bulk orderingprovides, for example, a cost benefit to the user. The user may select avendor for each product or may enable autoselect, in which case thevendors will be automatically selected.

FIGS. 24-35 are sample GUI screens that may be presented to a user, suchas a user wishing to enroll a vendor in a system. FIG. 24 is a GUIscreen that allows the user to input general company information for thevendor. FIG. 25 is a GUI screen that is presented to a user enrolling aVMC. This screen allows the user to input criteria related tosub-distribution among independent service providers, such as theavailable independent service providers, and the criteria to use indistributing work orders among independent service providers. The GUIscreen of FIG. 26 allows the user to enter the workload capacity for thevendor.

The GUI screen of FIG. 27 allows the user to view the work queue for thevendor. The GUI screens of FIGS. 28-35 allow the user to add an item tothe work queue or change fields of an item in the work queue.

The GUI screen of FIG. 36 allows a user to view information on aproperty. The GUI screens of FIGS. 37-38 allow the user to add andapprove delegates to perform work orders. The GUI screen of FIG. 39allows a user to view a portfolio, or list of services ordered, for aparticular property.

The GUI screen of FIG. 40 displays the options available to a userselecting “Admin” from the menu bar. The GUI screen of FIG. 41 displaysthe options available to a user selecting “Workstation” from the menubar. The GUI screen of FIG. 42 displays the viewing options available toa user selecting from a drop-down box. The GUI screen of FIG. 43displays the options for viewing work queues available to a userselecting from a drop-down box. The GUI screen of FIG. 44 displays workqueues to a user.

The GUI screen of FIG. 45 allows a user to enter data for a new workorder or product in a workflow. The GUI screen of FIG. 46 allows a userto attach a file to a work order or other communication. The GUI screenof FIG. 47 displays attached files to a recipient of the files. The GUIscreens of FIGS. 48-49 allow a user to input information for automaticproduct selection.

The GUI screen of FIG. 50 allows a user to enter data for processmanagement setup. The GUI screens of FIGS. 51-53 present a user withinformation regarding an automatic process management setup and allowthe user to enter data for automatic process management setup.

The GUI screen of FIG. 54 allows a user to send an email to a recipient.If the email is regarding a particular product or order, the userspecifies the product or order by inputting information into the GUIscreen of FIG. 55. The user may input information into the GUI screen ofFIG. 56 to cancel the product or order.

FIG. 57 is a GUI screen listing properties and information related toeach property, such as property data, loan information, and work orderinformation.

FIG. 58 displays a sample corporate hierarchy. The corporate hierarchyexhibits, for example, parent-child infrastructure (PCI) and isdisplayed as a tree diagram. FIG. 59 is a block diagram illustratingvarious functionalities of a system in accordance with an embodiment ofthe present invention. FIGS. 60-61 illustrate a branded customer portalin accordance with an embodiment of the present invention.

Example embodiments of the present invention have now been described inaccordance with the above advantages. It will be appreciated that theseexamples are merely illustrative of the invention. Many variations andmodifications will be apparent to those skilled in the art.

TABLE 1 UNIQUE REQ REQUIREMENT ID FUNCTION NAME REQUIREMENT/FUNCTIONDESCRIPTION Figure  2 VENDOR VENDOR MANAGEMENT MANAGEMENTPROCESSING/SETUP PROCESSING/SETUP  2.0A Real-time calculation Real-timeupdates of vendors' orders. updates:  2.1A Capacity Real-time updates ofvendors' open orders.  2.2A Threshold Real-time updates of total numberof vendors' orders for a specified time period.  2.3A Outstanding LateOrder Real-time updates of the specified outstanding Ratio late orderratio (ratio of late orders to open orders).  2.0C Modification of Withthe addition of Workflow and AVS, the Acknowledgement FileAcknowledgement file would need to be (file-based orders) modified tohandle notification of the automated selection.  2.1C Workflow SpecificThe Acknowledgement file would Information contain the following APSInfo: Product Selected Workflow Name Used  2.2C AVS Specific TheAcknowledgement file contains the Information following AVS Info: VendorSelected AVS Profile Selected AVS Distribution Rule Selected Current %of orders Current capacity Current threshold Current late order ratio 2.0D AVS Profile Viewer This will provide a Vendor Manager to viewAppendix A AVS Rules current AVS distribution rules that are inProduction.  2.1D AVS Profile Viewer Provide a section to view the AVSRules that Appendix A Section are currently in Production. (See appendixfor layout)  2.2D AVS Profile Effective Display the date the AVS Rulesmigrated to Appendix A Date Production (See appendix for layout)  2.3DAVS Profile Viewer Provide a table that contains all Profiles thatAppendix A Table are currently in Production.  2.4D AVS Profile ViewerThis table layout and functionality will Appendix A Actions duplicatethe current Profile table, except the Action column will contain a Viewlink.  2.5D AVS Profile Viewer The Action link will duplicate the editlink, Appendix A View Profiles except it will be view-only.  2.6D AVSProfile Viewer The AVS Profile Viewer will contain a View Appendix AVendor Distribution List link on each distribution set to view thevendor list (This View link will replace the Edit link).  3.1 CumulativeScore  3.1.A Create a Link for Create a link for Scorecards underProducts Appendix B Scorecard Menu Ordered Menu. Link will go to theScorecard menu.  3.1.B Create Scorecard Create a Scorecard Menu. Thiswill be set up Appendix C Menu the same as the Automated ProductSelection Menu.  3.1.B.1 Add links to Scorecard Add links to theScorecard Menu for Quality Appendix C Menu Score, Service Score,Cumulative Score and Auto Scoring.  3.1.B.2 Create a link for Create alink for Cumulative Score under Appendix C Cumulative Score ScorecardMenu. Link will go to the Screen Cumulative Score Screen.  3.1.C CreateCumulative Create Cumulative Score Screen to allow Appendix D ScoreScreen users to view all saved cumulative scorecards.  3.1.C.1 CreateCumulative Create a table to display Scorecard Name, Appendix DScorecard table Description of Scorecard, Products, Quality Ratio, andService Ratio.  3.1.C.2 Add Edit Buttons Add edit buttons to edit anysaved scorecard. Appendix D The edit button will be a link to CumulativeScore Setup Screen #2.  3.1.C.3 Add Delete Buttons Add Delete buttons todelete any saved Appendix D scorecards. Display message box “Are yousure you want to delete the saved scorecard” when the Delete button isclicked. Remove scorecard from table if yes is clicked. RefreshCumulative Score Screen.  3.1.C.4 Add Create New Add Create NewScorecard Button to create Appendix D Scorecard Button new CumulativeScorecard. Create New Scorecard button will be a link to CumulativeScore Setup Screen #1.  3.1.D Create Cumulative Create Cumulative ScoreSetup Screen to Appendix E Score Setup Screen #1 allow users to create anew cumulative scorecard.  3.1.D.1 Add Radio Buttons Add Radio Buttonsto start with an existing Appendix E scorecard. Radio button willdefault to No. If yes button is selected, provide combo box for allsaved scorecards.  3.1.D.2 Add Scorecard Name Add Scorecard Name textbox. This is a Appendix E Text Box required field. Text box should belarge enough to display 30 characters.  3.1.D.3 Add Scorecard AddScorecard Description text box. This is a Appendix E Description TextBox required field. Text box should have a scroll bar to allow user toscroll through entire description.  3.1.D.4 Add Next Button Add Nextbutton to link to Cumulative Score Appendix E Setup Screen #2. If NoRadio button is selected and Scorecard Name or Scorecard Description arenull, display message “Scorecard Name and Description are Required”. 3.1.D.5 Add Cancel Button Add Cancel Button to link to Cumulative ScoreAppendix E Screen.  3.1.E Create Cumulative Create Cumulative ScoreSetup Screen to Appendix F Score Setup Screen #2 allow users to addproducts and quality and service ratios for the Cumulative Scorecards. 3.1.E.1 Display Scorecard Display Scorecard name text box that wasAppendix F Name entered on Cumulative Score Setup Screen #1.  3.1.E.2Display Scorecard Display Scorecard Description text box that Appendix FDescription was entered on Cumulative Score Setup Screen #1.  3.1.E.3Add Product Category Provide a combo box for the user to select theAppendix F Combo Box product category that the scorecard will apply to. 3.1.E.4 Add Product Combo Provide a combo box for the user to selectthe Appendix F Box product that the scorecard will apply to. The listwill only contain products that are in the chosen Product Category. 3.1.E.5 Create Product Table Create table to display products for thecurrent Appendix F scorecard.  3.1.E.6 Add Product button Add “AddProduct” button to allow user to add Appendix F the selected product tothe current scorecard. When Add Product button is clicked, check to makesure that product does not exist in any saved scorecards. If product isnot in any saved scorecards, add product selected to the Product Table.Refresh screen after button is clicked.  3.1.E.7 Add Delete Buttons AddDelete buttons to delete any products in Appendix F the Product Table.Display message box “Are you sure you want to delete the product fromthe current scorecard” when the Delete button is clicked. Remove productfrom table if yes is clicked. Refresh screen after button is clicked. 3.1.E.8 Add Quality Ratio Text Provide a text box to enter the ratiofor the Appendix F Box Quality Score. Values entered must be between 0and 100.  3.1.E.9 Add Service Ratio Text Provide a text box to enter theratio for the Appendix F Box Service Score. Values entered must bebetween 0 and 100.  3.1.E.10 Display Cumulative Provide a field todisplay the total of the Appendix F Ratio Quality and Service ratios.Cumulative Ratio is the sum of the Quality Ratio and Service Ratio. 3.1.E.11 Add Submit Button Add Submit button to save current scorecard.Appendix F Cumulative Ratio must be equal to 100. Display message box“Cumulative Ratio must equal 100% before proceeding” if Cumulative Ratiodoes not equal 100. Message box “Are you sure you want to save thisscorecard” should appear when submit button is clicked, if CumulativeRatio is equal to 100. If the users clicks OK, add current scorecard toCumulative Scorecard table and the users is returned to the CumulativeScore Screen. If the user clciks “Cancel”, the action is cancelled.  3.2Turnaround Time Score Matrix  3.2.A Create a Link for Create a link forthe Service Score under Appendix C Service Score Screen Scorecard Menu.Link will go to the Service Score Screen.  3.2.B Create Service ScoreCreate Service Score Screen to allow users to Appendix G Screen view allsaved service scorecards.  3.2.B.1 Create Service Create a table todisplay Products and Appendix G Scorecard Table Description ofscorecard.  3.2.B..2 Add Edit Buttons Add edit button to edit any savedscorecard. Appendix G The edit button will be a link to Service ScoreSetup Screen #2.  3.2.B..3 Add Delete Buttons Add Delete buttons todelete any saved Appendix G scorecards. Display message box “Are yousure you want to delete the saved scorecard” when the Delete button isclicked. Remove scorecard from table if yes is clicked. Refresh ServiceScore Screen.  3.2.B..4 Add Create Scorecard Add Create Scorecard Buttonto create new Appendix G Button Service Scorecard. Create Scorecardbutton will be a link to Service Score Setup Screen #1.  3.2.C CreateService Score Create Service Score Setup Screen to allow Appendix HSetup Screen #1 users to create a new service scorecard.  3.2.C.1 AddRadio Buttons Add Radio Buttons to start with an existing Appendix Hscorecard. Radio button will default to No. If yes button is selected,provide combo box for all saved scorecards.  3.2.C.2 Add Scorecard NameAdd Scorecard Name text box. This is a Appendix H Text Box requiredfield. Text box should be large enough to display 30 characters. 3.2.C.3 Add Scorecard Add Scorecard Description text box. This is aAppendix H Description Text Box required field. Text box should have ascroll bar to allow user to scroll through entire description.  3.2.C.5Add Next Button Add Next button to link to Service Score Setup AppendixH Screen #2. If No Radio button is selected and Scorecard Name is null,display message “Scorecard is Required”.  3.2.C.6 Add Cancel Button AddCancel Button to link to Service Score Appendix H Screen.  3.2.D CreateService Score Create Service Score Setup Screen to allow Appendix ISetup Screen #2 users to add products and set up Turn Time Matrix. 3.2.D.1 Display Scorecard Display Scorecard name t that was entered onAppendix I Name Service Score Setup Screen #1.  3.2.D.2 DisplayScorecard Display Scorecard Description that was Appendix I Descriptionentered on Service Score Setup Screen #1.  3.2.D.3 Add Product CategoryProvide a combo box for the user to select the Appendix I Combo Boxproduct category that the scorecard will apply to. (The category willonly be those categories the Requestor has setup in Products to Order) 3.2.D.4 Add Product Combo Provide a combo box for the user to selectthe Appendix I Box product that the scorecard will apply to. The listwill only contain products that are in the chosen Product Category. (Theproducts will only be those products the Requestor has setup in Productsto Order)  3.1.D.5 Create Product Table Create table to display productsfor the current Appendix I scorecard.  3.1.D.6 Add Product button Add“Add Product” button to allow user to add Appendix I the selectedproduct to the current scorecard. When Add Product button is clicked,check to make sure that product does not exist in any saved scorecards.If product is not in any saved scorecards, add product selected to theProduct Table. Refresh screen after button is clicked.  3.1.D.7 AddDelete Buttons Add Delete buttons to delete any products in Appendix Ithe Product Table. Display message box “Are you sure you want to deletethe product from the current scorecard” when the Delete button isclicked. Remove product from table if yes is clicked. Refresh screenafter button is clicked.  3.2.D.8 Create Turn Time Create Turn TimeMatrix to allow user to Appendix I Matrix assign a percentage score torange of days.  3.2.D.9 Add a text box for (<=) This box will containthe number of days, from the ordered date, it takes a vendor to completean order. If the vendor completes the order within the set period (<=),the vendor will receive the score specified.  3.2.D.10 Add Nine RangeText Provide nine range text boxes to allow the Appendix I Boxes user toenter the number of days from the due date for each score.  3.2.D.11Range - Rule 1 When a value is entered in the first text box, the minvalue on the following text box will contain the previous value + 1.(i.e 2 is entered for the first text box, 3 will be displayed for themin for the following range)  3.2.D.12 Range - Rule 2 When a value isentered for the max value, the following min value will contain theprevious max value + 1. (i.e 3 to 5 is entered for the range, 6 will bedisplayed for the min for the following range)  3.2.D.13 Range - Rule 3All min values will be grayed-out and disabled.  3.2.D.14 Range - Rule 4An infinity sign will be displayed in the max value for a rangefollowing a completed range.  3.2.D.15 Range - Rule 5 The infinity signwill be removed when the max value field is accessed.  3.2.D.16 Range -Rule 6 If no value is entered in the ending range's max value field, andthe user tabs out of the box, the infinity sign is repopulated. 3.2.D.17 Range - Rule 7 The max value of an ending range must containan infinity symbol.  3.2.D.18 Range - Rule 8 If a max value is lowerthan the min value and the user tabs out of the max value field, displaythe following message “A max value can't be lower than the min value”. 3.2.D.19 Add Service Score Provide a text box for the user to enter theAppendix I % Text Box score that is attributed to each day range. Thereshould be ten text boxes.  3.2.D.20 Service Score % - Rule 1 When avalue is entered in a Service Score % text field, a % is added to thevalue. (i.e 95 is entered, value displayed is 95%)  3.2.D.21 ServiceScore % - Rule 2 The value entered in a Service Score % text field mustbe numeric.  3.2.D.22 Service Score % - Rule 3 Special characters can'tbe entered in the Service Score % text field.  3.2.D.23 Service Score% - Rule 4 The Service Score % can't be higher than 100%.  3.2.D.24 AddSubmit Button When the Submit button is depressed, add Appendix Icurrent service score to Service Score table and display the ServiceScore Screen.  3.2.D.25 Add Cancel Button When the Cancel button isdepressed, the message “All information will be lost, are you sure youwish to continue?” will appear. The two options will be “Yes” or “No”. 3.3.0 Automated Vendor Rules for the setup process for the AutomatedScoring Vendor Scoring Setup  3.3.1B Automated Vendor When AutomatedScoring link is activated Appendix C Scoring Setup from the Score Cardpage, populate the workstation frame with the Automated Scoring page 3.3.2B Automated Vendor Provide a table that will contain all of theAppendix J Scoring Setup - Profiles created. Profile Table  3.3.3BProfile Table - Columns The Profile Table's columns will be as follows:Appendix J APS Profile Name Description Options  3.3.4B Profile Table -Options The following hyperlinks will appear under the Appendix JOptions column: Edit Delete  3.3.5B Options - Edit When the Edit link isactivated, the workstation Appendix K section will display the Profilefor editing.  3.3.6B Options - Delete When the Delete link is activated,the Appendix J message “Are you sure you wish to delete this item?” willappear. The two options will be “Yes” or “No”.  3.3.7B Profile Table -Create When the “Create New Auto-Scoring Profile” Appendix J NewAuto-Scoring button is depressed, the New Profile page will Profileappear in the workstation.  3.3.8B New Auto-Scoring The New APS Profilepage will contain the Appendix K Profile following sections: DescriptionProducts Fulfilled (See Appendix Q for layout)  3.3.9B Auto-ScoringProfile - Description will contain a scrolling text box. Appendix KDescription (See Appendix Q for layout)  3.3.10B Auto-Scoring Profile -Products to Order will contain the standard Appendix K ProductsFulfilled product selection process: Select Category, Select Product.The products available will be those that the Requestor has setup. 3.3.11B Auto-Scoring Profile - The list of products will not containproducts Product Sub-List 1 that are contained within other Profileswithin Staging. (This prevents overlaps)  3.3.12B Auto-Scoring Profile -The list of products will only contain those Product Sub-List 2 productsthat are setup for a Quality Score Card. (All products must have aQuality Score Card association to be a product defined in Auto-Scoring). 3.3.13B Auto-Scoring Profile - When the ‘Next’ button is depressed, theAppendix K Next Button second screen of New APS Profile will appear inthe workstation frame.  3.3.14B Auto-Scoring Profile - When the Cancelbutton is depressed, the Appendix K Cancel Button message “Allinformation will be lost, are you sure you wish to continue?” willappear. The two options will be “Yes” or “No”.  3.3.15B Auto-ScoringProfile - The 2^(nd) screen will contain the following Appendix L 2^(nd)Screen sections: Product Fulfilled Options Score  3.3.16B APS Profile -Product The Products Fulfilled section will contain the Appendix LFulfilled product identified in the first screen. (See Appendix R forlayout)  3.3.17B APS Profile - Add When the Add Product Rule button isAppendix L Product Rule depressed, add a row for a new Product APS rule. 3.3.18B APS Profile - Product The Product section will contain thefollowing Appendix L columns: Data Element Operator Data ElementOperator Value Options  3.3.19B APS Profile - Data When Data Element has‘Product ‘selected, Appendix L Element (1) [Product] provide all“product fulfillment” fields for the specified product in the combo-boxfor Data Element. (i.e. for Flood Zone Determination LOL, the completedataset for Element 79)  3.3.20B APS Profile - Data When Data Elementhas ‘Product ‘selected, Appendix L Element (1) [File] provide all “filedata” fields in RT in the combo- box for Data Element. This includes theProperty BO and Loan BO data elements.  3.3.21B File Data Element (1) -When the data type = enumerated value, the Appendix L w/EnumeratedValues following requirements will apply:  3.3.22B Operator (1) - Whenthe data type of Data Element (1) = ‘enumerated Appendix L EnumeratedValues value’, then provide the following value in the combo-box: = <=> 3.3.23B Data Element (2) - This field should be disabled andgrayed-out. Appendix L Enumerated Values  3.3.24B Operator (2) - Thisfield should be disabled and grayed-out. Appendix L Enumerated Values 3.3.25B Value - Enumerated Provide the data element (1) enumeratedAppendix L Values value list in a combo-box  3.3.26B File Data Element(1) - When the data type = numeric, the following Appendix L w//NumericValues requirements will apply:  3.3.27B Operator (1) - non- When thedata type of Data Element (1) = ‘numeric’, Appendix L enumerated valuesthen provide the following values in the combo-box: + − / * = < <= > >=<=>  3.3.28B File Data Element (2) - Provide all “file data” fields inRT that does not Appendix L Non-Enumerated have a data type =‘Enumerated Value’ in a Values I combo-box.  3.3.29B File Data Element(2) - Remove the value that was selected in Data Appendix LNon-Enumerated Element (1) from the list in Data Element (2). Values II 3.3.30B Operator (2) - When the data type of Data Element (1) =‘numeric’, Appendix L Enumerated Values then provide the followingvalues in the combo-box: N/A + − / * = < <= > >= <=> In Range OutsideRange  3.3.31B Value - Non- Provide an open text box. Appendix LEnumerated Values  3.3.32B Value - Data Type The data entered must benumeric Appendix L  3.3.33B Value - Character limit 10 character limitAppendix L  3.3.34B Value - Decimal Allow up to two decimal placesAppendix L  3.3.35B Data Element (2) Rules for Data Element (2) AppendixL  3.3.36B Data Element (2) - Defaults value = N/A Appendix L Default 3.3.37B Operator (2) - N/A When Data Element (2) value is = N/A, thenAppendix L Operator (2) is disabled and grayed-out.  3.3.38B Operator(2) Rules for Operator (2) Appendix L  3.3.39B Operator (2) - Providethe following values in the combo-box: Appendix L Enumerated ValuesN/A + − / * = < <= > >= <=> In Range Outside Range  3.3.40B Operator(2) - Range If Operator (2) value = Range, then provide Appendix L twotext boxes. (See Appendix R for layout)  3.3.41B Delete Link Rules forDelete link Appendix L  3.3.42B Delete link When the Delete link isactivated, the Appendix L message “Are you sure you wish to delete thisitem?” will appear. The two options will be “Yes” or “No”.  3.3.43B AddRule Button Rules for Add Rule button Appendix L  3.3.44B Add RuleButton When the add Rule button is depressed, add a Appendix L row for anew APS rule.  3.3.45B Save Button Rules for Save Button Appendix L 3.3.46B Save Button When the Save Button is depressed, it Appendix Lsubmits Profile and brings you to the Auto- Scoring Profile page 3.3.47B Cancel Button Rules for Cancel Button Appendix L  3.3.48BCancel Button When the Cancel Button is depressed, display Appendix L“Are you sure you want to cancel this action?” The two options will be“Yes” or “No”.  3.3.49B Cancel Button - Yes If Yes is selected, actioncancelled, takes you Appendix L to Auto-Scoring Profile page.  3.3.50BProduct Fulfillment Rules for Product Fulfillment APS - Options AppendixL APS - Options  3.3.51B Product Fulfillment There will be two optionboxes for Product Appendix L APS - Options Fulfillment APS: Both of therules fit the criteria Either of the rules fit the criteria  3.3.52BOptions - Both Rules If the option box ‘Both of the rules fit theAppendix L criteria’ is selected then both of the rules must take placefor the APS to take place.  3.3.53B Options - Either of the If theoption box ‘Either of the rules fit the Appendix L Rules criteria’ isselected then if either of the rules can happen for the APS to takeplace.  3.3.54B Score This is the score the vendor will receive if theAppendix L rules are met.  3.3.55B Auto-Scoring - Score A combo-box withthe list of the possible Appendix L scores for that product's Score Cardwill be contained within the combo-box.  3.3.54B APS Profile - SubmitWhen the ‘Submit’ button is depressed, the Appendix L Button ProductFulfillment APS page will appear in the workstation frame.  3.3.55B APSProfile - Cancel When the Cancel button is depressed, the Appendix LButton message “All information will be lost, are you sure you wish tocontinue?” will appear. The two options will be “Yes” or “No”.  3.4Quality Scoring Ability to apply scorecard to multiple products  3.4.AUpdate Quality Add new column to quality scorecard table to Appendix CScorecard Table display products that saved scorecards apply to.  3.4.BUpdate Quality Score Provide the ability to assign products to aAppendix M Setup Screen #2 quality scorecard.  3.4.B.1 Add Productcategory Provide a combo box for the user to select the Appendix N ComboBox product category that the scorecard will apply to.  3.4.B.2 AddProduct Combo Provide a combo box for the user to select the Appendix NBox product that the scorecard will apply to. The list will only containproducts that are in the chosen Product Category.  3.4.B.3 CreateProduct Table Create table to display products for the current AppendixN scorecard.  3.4.B.4 Add Product button Add “Add Product” button toallow user to add Appendix N the selected product to the currentscorecard. When Add Product button is clicked, check to make sure thatproduct does not exist in any saved scorecards. If product is not in anysaved scorecards, add product selected to the Product Table. Refreshscreen after button is clicked.  3.4.B.5 Add Delete Buttons Add Deletebuttons to delete any products in Appendix N the Product Table. Displaymessage box “Are you sure you want to delete the product from thecurrent scorecard” when the Delete button is clicked. Remove productfrom table if yes is clicked. Refresh screen after button is clicked.Delete Current Delete the current Scorecard/Product SetupScorecard/Product features located within the Product Page. Setup  4.0AEnhanced Qualitative Enhanced Qualitative This function will provide theusers of AVS the Distribution Distribution capability of distributingorders to vendors based on the history of their turn-time performance.The cumulative score function will allow a requestor to uniquely weighta vendor's quality score w/the vendor's service score on a per productbasis.  4.1A Turn-time score This function will provide the users of AVSthe criteria. capability of distributing orders to vendors based on thehistory of their turn-time performance.  4.2A Cumulative score THECUMULATIVE SCORE FUNCTION WILL criteria. ALLOW A REQUESTOR TO UNIQUELYWEIGHT A VENDOR'S QUALITY SCORE W/THE VENDOR'S SERVICE SCORE ON A PERPRODUCT BASIS. Automated Vendor Selection  4.0C Add’l DistributionLimits Add’l Distribution Limits This function will provide the users ofAVS the capability of preventing distribution of orders to vendors thatdo not fall into the automated distribution model.  4.2C OutstandingLate Order This function will provide the users of AVS the Appendix YRatio capability of preventing distribution of orders to vendors that donot have more than “x” percent of late orders/“x” percent orders  4.3CDaily Capacity This will provide the users of AVS the Appendix Ycapability of limiting the number of orders given to a vendor on a givenday.  4.3C1 Daily Capacity Daily capacity is the maximum number of newDefinition/Calculation orders a vendor can receive in a given day. 4.3C2 Add Daily Capacity to Add Daily Capacity to Products OrderedProducts Ordered Vendor Selection Screen. Vendor Selection Screen  4.3C3Daily Capacity Rule 1 The auto vendor selection feature should eliminatevendors who have reached their daily capacity. automated distributionmodel.  4.1D Auto-Reprocess This function will provide the users of AVSthe Declined Orders capability of reprocessing a declined order. Thisreprocessing will create a new order, deselect the original vendor fromthe available distribution list, run the AVS engine, select the vendor,and place the order.  4.2D Distribution Option Add a distribution optionsection to the Section Distribution Option Page.  4.3D Auto-ReprocessAdd a Yes/No option box for Auto-Reprocess Declined Orders DeclinedOrders. Option Box  4.4D Auto-Reprocess When an order is declined, andthe product is Declined Orders selected for AVS, and Yes is selected forAuto-Reprocess Declined Orders, the order automatically getsreprocessed. Data needed for reprocessing: Declined Status Order ID RESPID  4.5D Reprocess The original declined order's order form will beFunctionality 1 used to create a duplicate order.  4.6D Reprocess Theduplicate order will be processed via the Functionality 2 AVS engine,with the original vendor (that declined the order) de-selected from theeligible vendor list.  4.7D Reprocess If successfully placed via the AVSengine, the Functionality 3 order will be placed to the selected vendor. 4.8D Reprocess If there is a problem with the AVS processing,Functionality 4 the file will be sent to the exception bin with thereason for the exception.  4.9D Reprocess - Substatus The Placed statusshould contain a substatus of Reprocessed.  4.10D Reprocess - Event LogThe reprocessing events should be logged within the Event Log.  4.0EAVS - Pre Order Form AVS - Pre Order Form This function will use the AVSfunctionality Submission Submission prior to order form submission. 4.1E Expanding File Level This modification will expand the file levelData information to capture key data that will be used for AVS.  4.2EPre-Selection of Best This functionality will pre-select “the best”Vendor vendor that the RT engine has selected.  4.3E DisplayingAvailable This functionality will display vendors that are Vendors forDistribution available for distribution.  4.4E AVS Selection OverrideThis functionality will allow for the user to override the AVS decision. 4.5E AVS Selection - Order The vendor's order count will be incrementedCounting when the order is placed (Not when the AVS rules engine selectsthe vendor)  5.1A Order Forwarding - Order Forwarding - Provide theability for auto vendor selection to AVS AVS work with Order Forwarding 5.2A Order Forwarding - When the forward link is activated, if theAppendix O AVS requestor is VM enabled the AVS engine will run therules, and highlight the AVS selected vendor.  5.3A Order ForwardingPage Expand the Order Fowarding page to include Appendix O the additionsmade to the new ordering page detailed in Xpress Ordering.  5.4A OrderForwarding Detailed below are the Order Forwarding Appendix O Changes:changes  5.5A Filter Options The filter options detailed in Appendix CAppendix O should duplicate the current vendor filters in REALTrans.(The screen layout is detailed in Appendix L.)  5.6A Vendor List Table →The available vendor list should be displayed Appendix L in a tabledepicted in Appendix C. The table should contain the followingsections/columns. AVS Profile Name AVS Distribution Rule ID Company NameBranch Name City State Vendor Type National Coverage Flag SLA Price %Current profile orders Current Vendor Grade Current capacity Auto-SelectFlag Exceeded Capacity Flag Current late order ratio (See Appendix C fordetails on layout of the table.)  5.7A AVS Profile Name Display the AVSProfile Name Appendix O  5.8A AVS Distribution Rule Display the AVSDistribution Rule ID Appendix O ID  5.9A Company Name Display thevendor's Company Name Appendix O  5.10A Branch Name Display the vendor'sBranch Name Appendix O  5.11A City Display the vendor's City Appendix O 5.12A State Display the vendor's State Appendix O  5.13A Vendor TypeDisplay the vendor's Vendor Type Appendix O  5.14A National CoverageFlag Display a check mark if the vendor has Appendix O nationwidecoverage  5.15A SLA Price Display the vendor's SLA price Appendix O 5.16A % Current profile If the Distribution Rule is set for %distribution, Appendix O orders then display the vendor's percentage ofcurrent profile orders  5.17A Current Vendor Grade Display the vendor'scurrent vendor grade Appendix O  5.18A Current capacity Display thevendor's current capacity Appendix O  5.19A Auto-Select Flag Display acheck mark if the vendor is marked Appendix O for AVS  5.20A ExceededCapacity Display a check mark if the vendor has Appendix O Flag ExceededCapacity  5.21A Current late order ratio Display the vendor's currentlate order ratio Appendix O (Late Open Orders/Total Open orders)  5.22ASelected Vendor The entire row for the Vendor selected by the Appendix OAVS engine should be highlighted. (See Appendix C in Xpress Ordering Reqfor details on layout of the table.)  5.23A Screen Layout The screenlayout is detailed in Appendix C in Appendix O Xpress Ordering Req. 5.24A Command Button - When the Next command is depressed, the AppendixO Next user should be brought to the selected (Single Product product'sorder form (Appendix D in Xpress Selected) Ordering Req).  5.25A CommandButton - When the Next command is depressed, the Appendix O Next usershould be brought to the consolidated (Multiple Products order form(Appendix E in Xpress Ordering Selected) Req).  5.26A Command Button -When the Cancel command is depressed, the Appendix O Cancel orderplacement should be halted and the user should be brought to theOrdering Page (Appendix A in Xpress Ordering Req).  5.0B Bulk OrderForwarding Provide the ability for a vendor to bulk forward Appendix Sorders by either Prortfolio or by Requestor. The Bulk Order Forwardingwill be used in conjunction with AVS.  5.1B Bulk Order Forwarding If theclient's account is VM enabled, provide a Appendix S Bulk OrderForwarding section in the Bulk Management Screen.  5.2B Bulk OrderForwarding - The orders will be able to be filtered by: Appendix SFilters Portfolio Number In the vendor's entire system  5.3B Bulk OrderForwarding - This filter will display the specified product for AppendixS Specified Category each file that has a status of New (10) or TypeConfirmed (20) in their system. (This can also be sub-filtered byPortfolio.)  5.4B Bulk Order Forwarding - If only the product type isspecified, this will Appendix S System display the specified product foreach file in the vendor's system.  5.5B Bulk Order Forwarding - Thissub-filter will display the specified product Appendix S PortfolioNumber (Req # 5.3B) for each file that has a status of New (10) orConfirmed (20), in the specified Portfolio.  5.7B Bulk OrderForwarding - When the ‘Go’ button is depressed, the Appendix S ‘Go’Button specified filters will be ran, and the 2^(nd) page will appear(AppendixT).  5.8B Order Forwarding The order forwarding optionsdetailed in Appendix T Options Appendix C should duplicate the currentorder forwarding options in REALTrans. (The screen layout is detailed inAppendix T.)  5.9B Bulk Order Forwarding - This page will display theorders that have Appendix T Order Page been specified by the filters onthe previous page.  5.10B Bulk Order Forwarding - The table of orderswill consist of the following Appendix T Order Page Table columns:Select Product File # Vendor Order # Property Borrower Requestor OrderedDate Due Date Status Order Form  5.11B Bulk Order Forwarding - Thiscolumn will contain a check box that Appendix T Select selects (ifchecked) or deselects (if unchecked) the order to be forwarded  5.12BBulk Order Forwarding - This column will contain the Product NameAppendix T Product  5.13B Bulk Order Forwarding - This column willcontain the File Number Appendix T File #  5.14B Bulk Order Forwarding -This column will contain the Vendor Order Appendix T Vendor Order #Number  5.15B Bulk Order Forwarding - This column will contain theProperty Address Appendix T Property  5.16B Bulk Order Forwarding - Thiscolumn will contain the Borrower's First Appendix T Borrower and LastName  5.17B Bulk Order Forwarding - This column will contain theRequestor's name Appendix T Requestor that is ordering the product 5.18B Bulk Order Forwarding - This column will contain the date theproduct Appendix T Ordered Date was ordered  5.19B Bulk OrderForwarding - This column will contain the date the product Appendix TDue Date is due  5.20B Bulk Order Forwarding - This column will containthe Stauts of the Appendix T Status order (New or Confirmed)  5.21B BulkOrder Forwarding - This column will contain an icon that links toAppendix T Order Placement Form the Order Placement Form.  5.22BActivation of the Order When the Order Placement Form icon is Appendix TPlacement Form Icon activated, the Order Placement Form will appear in aseparate window.  5.23B Editing of the Order When the Order PlacementForm is edited, Appendix T Placement Form the Bulk Order Forwarding pagewill update the changes.  5.24B Bulk Order Forwarding - The standardpage scrolling function will be Appendix T Page scrolling located on thebottom of the page. (See Appendix T)  5.25B Bulk Order Forwarding - Whenthe ‘Auto Select Vendors’ button is Appendix T Auto Select Vendorsdepressed, each order will run the AVS rules, and then place theselected orders to the vendors specified in the AVS engine.  5.26B BulkOrder Forwarding - If the AVS engine can't place an order for Appendix TException Bin whatever reason (i.e no vendor coverage, error, etc . . .), the files will be sent to the Exception Bin.  7.0 Work Queues Providethe capability of creating flexible work queues that will contain ordersthat meet the specified criteria. The criteria for each work queue mustbe rules driven and set up or modified by the account administrator. 7.0A Create Work Queue Create a screen to allow the user to view allDisplay Screen Work Queues that have been created.  7.1A Add Work QueuesAdd a menu option for Work Queues under Menu Option the ‘Admin’ button. 7.2A Create Work Queue Create a screen to display all active andAdministration screen inactive work queues.  7.3A Create Work QueueCreate work queue table to store all work Appendix BB table queues andinformation related to the work queues.  7.4A Work Queue table The WorkQueue table's columns will be: columns Work Queue Description Work QueueType Work Queue Status Work Queue Created Date Work Queue Inactive DateOptions  7.4A1 Work Queue table - The Work Queue Description willdisplay the Work Queue description of the work queue. Description  7.4A2Work Queue table - The Work Queue Type will display the type of WorkQueue Type work queue. The type of work queue will be WorkFlow or WorkQueue.  7.4A3 Work Queue Status The Work Queue Status will display thecurrent status of the work queue.  7.4A4 Work Queue Created The WorkQueue Created Date will display the Date date that the work queue wascreated.  7.4A5 Work Queue Inactive The Work Queue Created Date willdisplay the Date date that the work queue was inactivated.  7.5A WorkQueue table - The following buttons will appear under the OptionsOptions column: Edit Delete  7.6A Options - Edit Button When the ‘Edit’button is clicked, the Work Action Queue setup screen will appear forthe corresponding Work Queue.  7.7A Options - Delete When the ‘Delete’button is clicked, the Button message “Are you sure you want to deletethis item?”  7.8A.1 Delete Message Box The Delete Message Box willcontain two buttons - “OK” and “Cancel”  7.8A.2 Delete Message Box -When the ‘OK’ button is clicked, the work OK Button queue will bedeleted and the Work Queue Display screen will refresh.  7.8A.3 DeleteMessage Box - When the ‘Cancel’ button is clicked, the Cancel ButtonMessage box will close and no changes will be made.  7.8A Add Create NewButton When the ‘Create New’ button is clicked the Work Queue setupscreen will appear.  7.0B Create Workflow/ Create a screen to allow theuser to setup Appendix CC Queue Setup Screen work queues and workflows. 7.1B Add Description Text Add a text box to the Work Queue Setup box toWork Queue screen to allow the user to enter a description Setup screenof the Work Queue. The text box should allow up to 250 characters.  7.2BAdd Work Queue Type Add a combo box to the Work Queue Setup Combo box toWork screen to allow the user to specify the type of Queue Setup screenwork queue being created.  7.2B1 Work Queue Type - The Work Queue Typecombo box should Values contain the following values: Work Queue WorkFlow  7.3B Add Active Radio Add a radio button to the Work Queue SetupButton to Work Queue screen to allow the user to mark the current Setupscreen work queue as active.  7.4B1 Add Active Date field to Add a fieldto the Work Queue Setup screen Work Queue Setup to display the date thatthe work queue was screen marked as active.  7.4B2 Active Date field -Rule The Active Date field should automatically populate based on thedate that the Active Radio Button is clicked.  7.5B Add Inactive RadioAdd a radio button to the Work Queue Setup Button to Work Queue screento allow the user to mark the current Setup screen work queue asinactive.  7.6B1 Add Inactive Date field Add a field to the Work QueueSetup screen to Work Queue Setup to display the date that the work queuewas screen marked as inactive.  7.6B2 Inactive Date field - The ActiveDate field should automatically Rule populate based on the date that theInactive Radio Button is clicked.  7.7B1 Setup Screen - Next Add a‘Next’ button to the Work Queue setup button screen.  7.7B2 NextButton - Rule 1 When the ‘Next’ button is clicked, if value in the WorkQueue Type Combo Box equals “Work Queue” the Work Queue setup2 screenwill appear.  7.7B3 Next Button - Rule 2 When the ‘Next’ button isclicked, if value in the Work Queue Type Combo Box equals “Work Flow”the WorkFlow setup2 screen will appear.  7.8B Setup Screen - Cancel Adda ‘Cancel’ button to the Work Queue button setup screen. When the‘Cancel’ button is clicked, the Work Queue Display screen will appear. 7.9B1 Setup2 screen - Provide a warning message that appears if theCancel Warning ‘Cancel’ button is clicked. The warning should Messageread “Are you sure you want to Cancel the setup?”  7.9B2 Warning MessageProvide an ‘OK’ button on the warning button - OK message. If the ‘OK’button is clicked all changes will be lost and the Work Queue Displayscreen will appear.  7.9B3 Warning Message Provide a ‘Cancel’ button onthe warning button - Cancel message. If the ‘Cancel’ button is clickedthe warning message will close and the Setup screen will appear.  7.0CCreate Work Queue Create a screen to allow the user to setup Setup 2Screen work queues and select the fields that will be used in the workqueue.  7.1C Setup Screen 2 - Add a table to display all availablefields for Appendix DD Fields Available the Work Queue.  7.2C SetupScreen 2 - Fields Add a table to display all fields selected for theSelected Work Queue.  7.3C.1 Setup Screen 2 - Select Provide a buttonfor the user to select the Field button highlighted field in the ‘FieldsAvailable’ table.  7.3C.2 Select Field Button - When the button isclicked, the highlighted Action field is moved to the ‘Fields Selected’table and removed from the ‘Fields Available’ table.  7.4C Setup Screen2 - Provide a warning message that appears if the Select Warning ‘SelectField’ button is clicked without Message highlighting a field in the‘Fields Available’ list box. The warning should read “Please select afield from the list of Fields Available”.  7.5C Setup Screen 2 - Providea button for the user to deselect the Deselect Field button highlightedfield. When the button is clicked the highlighted field should be movedto the ‘Fields Available’ table and removed from the ‘Fields Selected’table.  7.6C Setup Screen 2 - Provide a warning message that appears ifthe Deselect Warning ‘Deselect Field’ button is clicked without Messagehighlighting a field in the ‘Fields Selected’ list box. The warningshould read “Please select a field from the list of Fields Selected”. 7.7C Setup Screen 2 - Provide a button for the user to deselect all ofDeselect All Fields the fields from the ‘Fields Selected’ list. Whenbutton the button is clicked, all fields in the ‘Fields Selected’ tableshould be moved to the ‘Fields Available’ table and removed from the‘Fields Selected’ table.  7.8C Setup Screen 2 - Next Add a ‘Next’ buttonto the Work Queue Setup button 2 screen. When the ‘Next’ button isclicked, the Work Queue setup2 screen will appear.  7.9C Setup Screen2 - Add a ‘Cancel’ button to the Work Queue Cancel button Setup 2screen. When the ‘Cancel’ button is clicked, the Work Queue Displayscreen will appear.  7.10C Setup screen 2 - Provide a warning messagethat appears if the Cancel Warning ‘Cancel’ button is clicked. Thewarning should Message read “Are you sure you want to Cancel the setup?” 7.11C Warning Message Provide an ‘OK’ button on the warning button - OKmessage. If the ‘OK’ button is clicked all changes will be lost and theWork Queue Display screen will appear.  7.12C Warning Message Provide a‘Cancel’ button on the warning button - Cancel message. If the ‘Cancel’button is clicked the warning message will close and the Setup screenwill appear.  7.13C Vendor Fields Available The Vendor fields thatshould be available are: Contact Name Company Name Company AddressCompany City Company State Company Zip Business Phone Email Address CellPhone  7.14C Add Calculated Field Add a button to allow the user tocreate a Button calculated field.  7.15C Calculated Field Button - Whenthe Calculated Field Button is clicked, Action the Calculated Fieldscreen will open.  7.0D Create Work Queue Create a screen to allow theuser to sort the Appendix EE Setup Screen 3 fields that will bedisplayed in the Work Queue.  7.1D1 Add Selected Fields Add a table tocontain all selected fields to the table to Setup Screen 3 Work QueueSetup Screen 3.  7.1D2 Selected Fields Table - The Selected Fields tableshould contain all Values fields in the selected Fields table from theWork Queue Setup Screen 2.  7.2D1 Add Move to Top Add Move to Top buttonto the Work Queue button to the Setup Setup Screen 3. Screen 3  7.2D2Move to Top button - When the Move to Top button is clicked, the Actionhighlighted field should be moved to the top of the list.  7.2D3 Move toTop button - When the Move to Top button is clicked, if the Rule 1 fieldis already located at the top of the list, the Move Up Warning messagebox should appear.  7.3D1 Add Move to Bottom Add Move to Bottom buttonto the Work button to the Setup Queue Setup Screen 3. Screen 3  7.3D2Move to Bottom button - When the Move to Bottom button is clicked,Action the highlighted field should be moved to the bottom of the list. 7.3D3 Move to Bottom button - When the Move to Bottom button isclicked, if Rule 1 the field is already located at the bottom of thelist, the Move Down Warning message box should appear.  7.4D1 Add MoveUp button to Add Move Up button to the Work Queue the Setup Screen 3Setup Screen 3.  7.4D2 Move Up button - When the Move Up button isclicked, the Action highlighted field should be moved up one position inthe list.  7.4D3 Move Up button - Rule 1 When the Move Up button isclicked, if the field is already located at the top of the list, theMove Up Warning message box should appear.  7.5D1 Add Move Down buttonAdd Move Down button to the Work Queue to the Setup Screen 3 SetupScreen 3.  7.5D2 Move Down button - When the Move Down button isclicked, the Action highlighted field should be moved down one positionin the list.  7.5D3 Move Down button - When the Move to Bottom button isclicked, if Rule 1 the field is already located at the bottom of thelist, the Move Down Warning message box should appear.  7.6D Move UpWarning The Move Up Warning message should read Message - Details “Theselected field is at the top of the list.  7.7D Move Down Warning TheMove Down Warning message should Message - Details read “The selectedfield is at the bottom of the list.  7.8D1 Add Remove Button to AddRemove button to the Work Queue Setup the Setup Screen 3 Screen 3. 7.8D2 Remove Button - When the Remove button is clicked, the Actionhighlighted field should be removed from the list.  7.0E Create WorkQueue Create a screen to determine how each of the Appendix FF Criteriascreen fields selected in Work Queue Setup 3 screen will be used.  7.1ECriteria screen - Display all fields in the “Fields Selected” tableDisplay Fields on the Work Queue Criteria screen. The fields should bedisplayed in one column vertically down the left side of the screen. 7.2E Criteria screen - Show Add a check box to the right of each fieldthat Check Box is in the ‘Fields Selected’ table. If the box is checkedthe field will be displayed in the Work Queue. If the box is not checkedthe field will not be displayed, but it can be used as criteria.  7.3ECriteria screen - Add a combo box to the right of each check Operatorcombo box box containing the following values: = > > = < < = < >  7.4ECriteria screen - Filter Add a text box to the right of each operatorText Box combo box. This text box will contain the criteria for the WorkQueue.  7.5E Criteria screen - Back Add a ‘Back’ button to the WorkQueue button Criteria screen. When the ‘Back’ button is clicked, theWork Queue setup screen will appear. All of the fields that were in the‘Fields Selected’ table should remain in the ‘Fields Selected’ table.All changes to the Work Queue Criteria screen should save.  7.6ECriteria screen - Next Add a ‘Next’ button to the Work Queue Criteriabutton screen. When the ‘Next’ button is clicked, the Work Queue setup3screen will appear. All of the changes to the Work Queue Criteria screenshould save.  7.7E Criteria screen - Add a ‘Cancel’ button to the WorkQueue Cancel button Criteria screen.  7.8E Criteria screen - Provide awarning message that appears if the Cancel Warning ‘Cancel’ button isclicked. The warning should Message read “Are you sure you want toCancel the setup?”  7.9E Warning Message Provide an ‘OK’ button on thewarning button - OK message. If the ‘OK’ button is clicked all changeswill be lost and the Work Queue Display screen will appear.  7.10EWarning Message Provide a ‘Cancel’ button on the warning button - Cancelmessage. If the ‘Cancel’ button is clicked the warning message willclose and the Criteria screen will appear.  7.0F Create Work QueueAppendix GG Admin Screen  7.1F.1 Add User Combo box Add a combo box toallow the user to select the user or users that will be associated tothe work queue.  7.1F.2 User Combo box - The combo box should containall users set up Details for the account.  7.1F.3 User Combo box - Theuser should be able to select multiple Multiple Selections users byholding down the control button.  7.2F.1 Add Group Combo box Add a combobox to allow the admin to select the group or groups that will beassociated to the work queue.  7.2F.2 Group Combo box - The combo boxshould list all users set up for Details the account.  7.2F.3 GroupCombo box - The user should be able to select multiple MultipleSelections groups by holding down the control button.  7.3F1 Add WorkScreen Add a combo box to allow the admin to select Combo box the screenthat should appear when the Work Queue user selects an order in thequeue.  7.3F2 Work Screen Combo The Work Screen combo box should listall box - Details screens available to the user. Examples of screensthat should be available are: Order Manager Valuation Product Reviewelement View Only Fulfillment Form for all products Vendor MaintenanceScreen Message Center  7.3F3 Work Screen Combo The user should be ableto select multiple box - Multiple groups by holding down the controlbutton. Selections  7.4F1 Add Work Queue Add a combo box to allow theadmin to select Selection combo box the selection type for the currentWork Queue.  7.4F2 Selection Combo box - Add the following values to theWork Queue Values Selection Combo box: Round Robin Auto Feed ManualSelect  7.4F3 Round Robin Selection When Round Robin is selected, theitems in Description the work queue will be distributed to each userequally until all items in the work queue have been distributed or allusers assigned to the queue have reached their maximum capacity.  7.4F4Auto Feed Selection When Auto Feed is selected, the items in theDescription work queue will be distributed to each user equallyautomatically as each workflow item is closed. The user will not see theWork Queue, only the Work Queue Work Screen will appear.  7.5F5 ManualSelect When Manual Select is selected, the items in the work queue willbe available to all users until a user selects the item to work on. Oncea user has selected an item in the work queue, that item is unavailablefor all other users and is removed from the work queue.  7.5F1 AddInactive Date Field Add a text box to enter the date that the Work Queuewill become inactive.  7.5F2 Inactive Date Field - The format of theInactive Date field should be Format a date (mm/dd/yyyy).  7.5F3Inactive Date Field - The Inactive Date field is not a required field.Rule 1  7.5F4 Inactive Date Field - When the Inactive Date is less thantoday's Rule 2 date the Work Queue status should change from active toinactive.  7.6F1 Add Work Queue Type Add a combo box to allow the adminto select combo box the Work Queue Type.  7.6F2 Work Queue Type Add thefollowing values to the Work Queue Combo box - Values Type Combo box:File Order  7.7F Work Queue The Work Queue Distribution must refreshDistribution each day. All items in a user's Work Queue will be removedand redistributed at the beginning of the day.  7.0G Create Work FlowCreate a screen to allow the user to setup Appendix HH Setup2 work flowsand select the business process that will occur when the work flowcriteria is met.  7.1G1 Add Business Process Add a combo box to the WorkFlow Setup 2 Combo Box screen to allow the user to select the businessprocess that will kick off when all of the workflow criteria are met. 7.1G2 Business Process The Business Process Combo box will containCombo Box - Values all business process that have been created.  7.2G1Add Work Flow Trigger Add a combo box to the Work Flow Setup 2 Combo boxscreen to allow the user to select the trigger type for the currentworkflow.  7.2G2 Work Flow Trigger The Work Flow Trigger Combo boxshould Combo box - Values contain the following values: Passive Active 7.3G Add Next button to Add a ‘Next’ button to the Work Flow Setup 2Work Flow Setup 2 screen. When the ‘Next’ button is clicked, the screenWorkFlow setup3 screen will appear. All of the changes to the Work FlowSetup 2 screen should save.  7.4G Add Cancel button to Add a ‘Cancel’button to the Work Flow Setup Work Flow Setup 2 2 screen. screen  7.5G1Cancel Warning Provide a warning message that appears if the Message‘Cancel’ button is clicked. The warning should read “Are you sure youwant to Cancel the setup?”  7.5G2 Warning Message Provide an ‘OK’ buttonon the warning button - OK message. If the ‘OK’ button is clicked allchanges will be lost and the Work Queue Display screen will appear. 7.5G3 Warning Message Provide a ‘Cancel’ button on the warning button -Cancel message. If the ‘Cancel’ button is clicked the warning messagewill close and the Criteria screen will appear.  7.0H Create Work FlowCreate a screen to allow the user to setup Appendix II Setup 3 Screenwork queues and select the fields that will be used in the work queue. 7.1H1 Setup Screen 3 - Add a table to display all available fields forFields Available the WorkFlow.  7.2H Setup Screen 3- Fields Add a tableto display all fields selected for the Selected WorkFlow.  7.3H.1 SetupScreen 3- Select Provide a button for the user to select the Fieldbutton highlighted field in the ‘Fields Available’ table.  7.3H.2 SelectField Button - When the button is clicked, the highlighted Action fieldis moved to the ‘Fields Selected’ table and removed from the ‘FieldsAvailable’ table.  7.4H Setup Screen 3 - Provide a warning message thatappears if the Select Warning ‘Select Field’ button is clicked withoutMessage highlighting a field in the ‘Fields Available’ list box. Thewarning should read “Please select a field from the list of FieldsAvailable”.  7.5H Setup Screen 3 - Provide a button for the user todeselect the Deselect Field button highlighted field. When the button isclicked the highlighted field should be moved to the ‘Fields Available’table and removed from the ‘Fields Selected’ table.  7.6H Setup Screen3 - Provide a warning message that appears if the Deselect Warning‘Deselect Field’ button is clicked without Message highlighting a fieldin the ‘Fields Selected’ list box. The warning should read “Pleaseselect a field from the list of Fields Selected”.  7.7H Setup Screen 3 -Provide a button for the user to deselect all of Deselect All Fields thefields from the ‘Fields Selected’ list. When button the button isclicked, all fields in the ‘Fields Selected’ table should be moved tothe ‘Fields Available’ table and removed from the ‘Fields Selected’table.  7.8H Setup Screen 3 - Next Add a ‘Next’ button to the Work QueueSetup button 2 screen. When the ‘Next’ button is clicked, the Work Queuesetup2 screen will appear.  7.9H Setup Screen 3 - Add a ‘Cancel’ buttonto the Work Flow Setup Cancel button 2 screen. When the ‘Cancel’ buttonis clicked, the Work Queue Display screen will appear.  7.10H Setupscreen 3 - Provide a warning message that appears if the Cancel Warning‘Cancel’ button is clicked. The warning should Message read “Are yousure you want to Cancel the setup?”  7.11H Warning Message Provide an‘OK’ button on the warning button - OK message. If the ‘OK’ button isclicked all changes will be lost and the Work Queue Display screen willappear.  7.12H Warning Message Provide a ‘Cancel’ button on the warningbutton - Cancel message. If the ‘Cancel’ button is clicked the warningmessage will close and the Setup screen will appear.  7.13H VendorFields Available The Vendor fields that should be available are: ContactName Company Name Company Address Company City Company State Company ZipBusiness Phone Email Address Cell Phone  7.14H1 Add Calculated Field Adda button to allow the user to create a Button calculated field.  7.14H2Calculated Field Button - When the Calculated Field Button is clicked,Action the Calculated Field screen will open.  7.0I Create Work FlowCreate a screen to determine how each of the Appendix JJ Criteria screenfields selected in Work Flow Setup 3 screen will be used.  7.1I Criteriascreen - Display all fields in the “Fields Selected” table DisplayFields on the WorkFlow Criteria screen. The fields should be displayedin one column vertically down the left side of the screen.  7.2ICriteria screen - Add a combo box to the right of each check Operatorcombo box box containing the following values: = > >= < <= <>  7.3ICriteria screen - Filter Add a text box to the right of each operatorText Box combo box. This text box will contain the criteria for theWorkFlow.  7.4I Criteria screen - Back Add a ‘Back’ button to theWorkFlow Criteria button screen. When the ‘Back’ button is clicked, theWorkFlow setup screen 3 will appear. All of the fields that were in the‘Fields Selected’ table should remain in the ‘Fields Selected’ table.All changes to the WorkFlow Criteria screen should save.  7.5I Criteriascreen - Next Add a ‘Next’ button to the WorkFlow Criteria buttonscreen. When the ‘Next’ button is clicked, the WorkFlow setup3 screenwill appear. All of the changes to the WorkFlow Criteria screen shouldsave.  7.6I Criteria screen - Add a ‘Cancel’ button to the WorkFlowCriteria Cancel button screen.  7.7I Criteria screen - Provide a warningmessage that appears if the Cancel Warning ‘Cancel’ button is clicked.The warning should Message read “Are you sure you want to Cancel thesetup?”  7.8I Warning Message Provide an ‘OK’ button on the warningbutton - OK message. If the ‘OK’ button is clicked all changes will belost and the WorkFlow Display screen will appear.  7.9I Warning MessageProvide a ‘Cancel’ button on the warning button - Cancel message. If the‘Cancel’ button is clicked the warning message will close and theCriteria screen will appear.  7.0J Add Work Queue Link Add a link to theWork Queue display screen Appendix OO to Menu Bar to the menu bar.  7.1JAdd Link to Work Add a link to the Menu Bar to direct users to Queue toMenu Bar the Work Queue Display screen.  7.0K Add Work Queue to Add WorkQueue to the View Selection Appendix QQ the View Selection Combo box.Combo Box  7.1K Add Work Queue to Add a link to the View Selection Combobox to View Selection Combo direct the user to the Assigned Work Queuebox screen.  7.0L Create Assigned Work Create a screen to allow users toselect from Appendix RR Queue Screen all Work Queues that they have beenassigned to.  7.1L Add Assigned Work Add a combo box to display all workqueues Queues combo box to that the current user is assigned to.Assigned Work Queue Screen  7.2L1 Add ‘Go’ button to the Add ‘Go’ buttonto the Assigned Work Queue Assigned Work Queue screen. Screen  7.2L2 GoButton - Action When the ‘Go’ button is clicked, the Work Queue screenfor the selected work queue will appear.  7.0M Create Work Queue CreateWork Queue screen to display all items Appendix SS screen that have notbeen completed in a work queue.  7.1M1 Create Work Queue Create a tableto display details about the Detail Table items in the current workqueue.  7.1M2 Add Work Queue Item Add the link to the Work Queue item tothe link to Work Queue work queue table. Detail Table  7.1M3 Work QueueItem Link - When the Work Queue Item Link is clicked, a Action separatewindow will open with the work screen selected for the current workqueue. The screen will open inside of the Work Queue Frame.  7.1M4 AddWork Queue Item Add the date that the item appeared in the Date to WorkQueue work queue to the work queue table. Detail Table  7.1M5 Add WorkQueue Item Add the status of the item to the work queue link to WorkQueue table. Detail Table  7.1M6 Work Queue Item The Statuses that willbe displayed in the Statuses Work Queue table will be: Viewed NewCompleted  7.1M7 Work Queue Item The Work Queue Item Status for an orderthat Status - New appears in a work queue and has not been viewed by anyuser and has not been completed will have a status of ‘New’.  7.1M9 WorkQueue Item The Work Queue Item Status for an order that Status - Viewedappears in a work queue and has been viewed by a user and has not beencompleted will have a status of ‘Viewed’. The item is not removed fromthe work queue, but it is moved to the bottom of the work queue.  7.1M10Work Queue Item The Work Queue Item Status for an order that Status -Completed appears in a work queue and has been viewed by a user and hasbeen completed will have a status of ‘Completed’.  7.1M11 Add Work QueueItem Add the user name that the Work Queue Item Viewed By to Work waslast viewed by. Queue Detail Table  7.1M12 Work Queue Item Will only beavailable for items with a status of Viewed By - Rule ‘Viewed’.  7.1M13Add Work Queue Item Add the date that the Work Queue Item was Viewed Onto Work last viewed on. Queue Detail Table  7.1M14 Work Queue Item Willonly be available for items with a status of Viewed On - Rule ‘Viewed’. 7.2M1 Create Work Queue Create a Frame that will open when the WorkAppendix TT Frame Queue Item Link is clicked.  7.2M2 Add Work Queue ItemAdd the Item Status to the Work Queue Status to Work Queue Frame. Frame 7.2M3 Add Work Queue Item Add the user name of the last person thatViewed By to Work viewed the work queue item. Queue Frame  7.2M4 AddWork Queue Item Add the last date that the work queue item Viewed On toWork was viewed. Queue Frame  7.2M5 Add ‘Complete’ button Add the‘Complete’ button to the Work Queue to the Work Queue Frame. Frame 7.2M6 Complete Button - When the Complete button is clicked, the workAction 1 queue item status will change to complete.  7.2M7 CompleteButton - When the Complete button is clicked, the Action 2 Work Queuescreen will appear if the Work Queue Selection type is not ‘Auto Feed’. 7.2M8 Complete Button - When the Complete button is clicked, if theAction 3 Work Queue Selection type is ‘Auto Feed’, the current item willclose and the next work queue item will appear in the Work Queue Frame. 7.0N Create Calculated Create a screen to allow the user to create aAppendix YY Field Screen calculated field.  7.1N Add Field Name to Add atext box to allow the user to name the Calculated Field field that isbeing created. Screen  7.2N Add Input Button to Add a button to theCalculated Field screen Calculated Field that will change the FieldVariable to a text Screen box. This will allow the user to enter freeform values.  7.3N Add Select Button to Add a button to the CalculatedField screen Calculated Field that will change the Field Variable to aCombo Screen box. This will allow the user to select a field.  7.4N1 AddField Select Add a combo box to the Calculated Field Combo Box to screenthat will allow the user to choose a field Calculated Field to perform acalculation. Screen  7.4N2 Select Combo box - The Select Combo box willcontain the same Values values that are available in the CriteriaSelection screen.  7.5N Add Field Text Box to Add a text box to allowthe user to enter a Calculated Field value to perform a calculation.Screen  7.6N Field Variable - Default Field Variable should default tothe Combo box.  7.7N1 Add ‘Add’ button to the Add a button to theCalculated Field screen to Calculated Field allow a user to add anothertext box or select Screen combo box.  7.7N2 ‘Add’ Button - Action 1 Whenthe ‘Add’ button is clicked, the operator Appendix ZZ combo box willappear.  7.7N3 ‘Add’ Button - Action 2 When the ‘Add’ button is clicked,the ‘Input’ Button will appear.  7.7N4 ‘Add’ Button - Action 3 When the‘Add’ button is clicked, the ‘Select’ Button will appear.  7.7N5 ‘Add’Button - Action 3 When the ‘Add’ button is clicked, the Field Variablewill appear.  7.7N6 ‘Add’ Button - Action 4 When the ‘Add’ button isclicked, the ‘Add’ button will appear.  7.7N7 Add Button - Rule Eachtime the ‘Add’ button is clicked a new row should be added and all ofthe above items should be provided.  7.8N1 Add Operator Combo Add acombo box to include all operators that Box to Calculated Field will beneeded to create a calculated field. Screen  7.8N2 Operator Combo Box -The Operator Combo box should contain the Values following values: + −/ *  7.0 Add Unavailable Date Provide the ablility for a vendor toremove Appendix UU to Vendor Information itself from a list of availablevendors for a Screen specified period of time. This will be necessary ifa vendor is going on vacation or unavailable for a period of time. 7.1AA Add Unavailable Flag Add a check box to the vendor informationAppendix UU to Vendor Information screen. screen  7.1BB UnavailableFlag - When the Unavailable Flag is checked, the Appendix UU Actionvendor will not appear as an available vendor for all requestors.  7.2AAAdd Unavailable Start Add a field to the vendor information screen toAppendix UU Date to Vendor allow a vendor to enter the date at which theInformation Screen vendor will become unavailable.  7.2BB AddUnavailable End Add a field to the vendor information screen to AppendixUU Date to Vendor allow a vendor to enter the date at which theInformation Screen vendor will become available.  7.2CC Unavailable DateEnd - The Unavailable End Date must be after the Appendix UU RuleUnavailable Start Date.  8.0 Update Qualitative Update the QualitativeDistribution Setup Appendix VV Distribution Setup Screen to allow usersto use different criteria Screen for vendor selection than in thecurrent production environment.  8.1 Add Lowest Price Add an option forthe Lowest Price as a Appendix VV parameter to distribution parameter.Qualitative Distribution screen  8.2 Add Highest Service Add an optionfor the Highest Service Score Appendix VV Score parameter to as adistribution parameter. Qualitative Distribution screen  8.3 Add HighestQuality Add an option for the Highest Quality Score as Appendix VV Scoreparameter to a distribution parameter. Qualitative Distribution screen 8.4 Add Highest Add an option for the Highest Cumulative Appendix VVCumulative Score Score as a distribution parameter. parameter toQualitative Distribution screen  8.0 Add Valuation Product Reviewelement to all ORA valuation products.  8.0A Add Valuation Product Addoption to select a Valuation Product Review element to Review to OcwenBPO product Ocwen BPO product  8.0B Add Valuation Product Add option toselect a Valuation Product Review element to Review to Ocwen ComparativeMarket Ocwen Comparative Analysis product Market Analysis  8.0C AddValuation Product Add option to select a Valuation Product Reviewelement to Review to ORA 2055 product ORA 2055  8.0D Add ValuationProduct Add option to select a Valuation Product Review element toReview to ORA 1004 product. (This product ORA 1004 does not exist yet.An RDD is forthcoming).  8.1 Create Valuation Product Review ElementFulfillment  8.1A Create Valuation Create the Data Entry ValuationProduct Product Review Review element fulfillment form to enter theelement fulfillment data needed for a Valuation Product Review.  8.1BValuation Product Valuation Product Review will not be Review - Rule 1forwarded to vendor it will only be available to requestor/forwarder. 8.1C Valuation Product Completed order is not available to Review -Rule 2 requestor/forwarder until Valuation Product Review status changesto Confirmed Complete.  8.1D Add Market Value Low Add the Market ValueLow field to the field to Valuation Valuation Product Review ElementFulfillment. Product Review This field should be formatted as currency.Element Fulfillment  8.1E Add Market Value High Add the Market ValueHigh field to the field to Valuation Valuation Product Review ElementFulfillment. Product Review This field should be formatted as currency.Element Fulfillment  8.FI Add Market Value Mid Add the Market Value Midfield to the field to Valuation Valuation Product Review ElementFulfillment. Product Review This field should be formatted as currency.Element Fulfillment  8.1F1 Review Element The Market Value Mid shouldnot populate if Fulfillment - Market the Market Value High is null ValueMid field Rule 1  8.1F2 Review Element The Market Value Mid should notpopulate if Fulfillment - Market the Market Value Low is null Value Midfield Rule 2  8.1F3 Review Element The Market Value Mid calculationmethod is Fulfillment - Market (Market Value High + Market Value Low)/2Value Mid field calculation  8.1G Add Repaired Market Add the RepairedMarket Value Low field to Value Low field to the Valuation ProductReview Element Valuation Product Fulfillment. This field should beformatted as Review Element currency. Fulfillment  8.1H Add RepairedMarket Add the Repaired Market Value High field to Value High field tothe Valuation Product Review Element Valuation Product Fulfillment. Thisfield should be formatted as Review Element currency. Fulfillment  8.1IAdd Repaired Market Add the Repaired Market Value Mid field to Value Midfield to the Valuation Product Review Element Valuation ProductFulfillment. This field should be formatted as Review Element currency.Fulfillment  8.1I1 Review Element The Market Value Mid should notpopulate if Fulfillment - Repaired the Repaired Market Value High isnull Market Value Mid field Rule 1  8.1I2 Review Element The RepairedMarket Value Mid should not Fulfillment - Repaired populate if theRepaired Market Value Low is Market Value Mid field null Rule 2  8.1I3Review Element The Repaired Market Value Mid calculation Fulfillment -Repaired method is (Repaired Market Value High + Repaired Market ValueMid field Market Value Low)/2 calculation  8.1J Add Deferred Add theTotal Repair Amount Field to the Maintenance field to Valuation ProductReview Element Fulfillment. Valuation Product This field should beformatted as currency. Review Element Fulfillment  8.1K Add MarketingTime Add the Marketing Time Field to the Valuation field to ValuationProduct Review Element Fulfillment. This field Product Review should beformatted as Number (Double). Element Fulfillment  8.1L Add ReviewComment Add the Review Comment Field to the field to Valuation ValuationProduct Review Element Fulfillment. Product Review This field should beformatted as Memo. Element Fulfillment  8.1M Add Reason Code field Addthe Reason Code Field to the Valuation to Valuation Product ProductReview Element Fulfillment. This field Review Element should beformatted as Text (50). Fulfillment  8.1KM1 Add Reason Code Add a combobox to specify the Reason Code combo box field to Field on the ValuationProduct Review Valuation Product Element Fulfillment. The combo boxshould Review Element contain the following values: Fulfillment DrivebyBad previous value Condemned Driveby on wrong property DeferredMaintenance Earthquake Fire Flood Functional Obsolescence Incorrect PropRights Valued Market Decline Market Increase Mudslide No Change In ValueNo Original (Previous) Value Go Repaired Sight Area Incorrect StructuralProblems Tornado Vandalized Does Not Comply With Zoning  8.1N AddCondition Code field to Valuation Product Review Element Fulfillment 8.1O Add Condition Code Add the Condition Code Field to the Valuationfield to Valuation Product Review Element Fulfillment. This fieldProduct Review should be formatted as Text (10). Element Fulfillment 8.1O1 Add Condition Code Add a combo box to specify the Condition combobox field to Code Field on the Valuation Product Review ValuationProduct Element Fulfillment. The combo box should Review Element containthe following values: Fulfillment Poor Fair Average Good  8.1P CreateValuation Order Table  8.1P1 Valuation Order Table - Links will becreated for all other valuation Add Link to Valuation productsassociated to the file number of the Product order the review isselected for.  8.1P2 Valuation Order Table - Activating link will open anew window Link Action displaying the valuation product referenced bythe link.  8.1P2 Valuation Order Table - This will show the ValuationProduct Type of Add Valuation Type the valuation product referenced bythe link.  8.2P4 Valuation Order Table - This will show the confirmedcompleted date Add Completed Date of the valuation product referenced bythe link.  9.0 Create Invoice Create output file from REAL Transdatabase Creation Process for upload into Infinium for Invoice creation. 9.1 Create Infinium export Create file with all needed data for invoicefile creation creation in Infinium.  9.2 Create Infinium import CreateInfinium mapping process from file file mapping created in Section (9.1) 9.0A Create Business Create basic business processes that performProcesses for a simple function. This will allow admin users WorkflowAutomation to select a business process that can occur for allfiles/orders that meet workflow criteria.  9.1A Create Send MessageCreate a business process to send a message Appendix WW Business Processusing the Message Center function.  9.1B Send Message When the userselects the ‘Send Message Appendix WW Business Process - BusinessProcess’ from the Work Flow Setup2 Action screen, a Process Parameterwindow should appear.  9.1C Process Parameter The Process Parameterwindow should Appendix WW Window appear requiring the user to completeall fields for the business process.  9.1D Process Parameter The numberof parameters that are necessary Appendix WW Window - Parameters will bedetermined by the process that is being created.  9.1E Parameter 1 -‘To’ The ‘To’ combo box should be the first Appendix WW Combo Boxparameter required by the user that appears on the Process Parameterwindow.  9.1F Parameter 1 - Values The ‘To’ combo box should include theAppendix WW following values: Vendor Company Vendor Contact VendorCompany and Vendor Contact  9.1G Parameter 2 - ‘Subject’ The ‘Subject’field should be the second Appendix WW field parameter required by theuser that appears on the Process Parameter window.  9.1H Parameter 2 -Details The ‘Subject’ field should allow the user to Appendix WW enter asubject for all of the emails that will be sent for the currentworkflow.  9.1I Parameter 3 - The ‘Message’ field should be the thirdAppendix WW ‘Message’ field parameter required by the user that appearson the Process Parameter window.  9.1J Parameter 3 - Details 1 The‘Message’ field should allow the user to Appendix WW enter a message forall of the emails that will be sent for the current workflow.  9.1KParameter 3 - Details 2 The ‘Message’ field should also include theAppendix WW following data points for all messages that are sent via aworkflow: File Number Loan Number Order Number Property Street AddressProperty City Property State Property Zip Code Property APN PropertyLegal Description Borrower Name Order Due Date  9.2A Create Cancel OrderCreate a business process to change the Appendix XX Business Processstatus to Cancelled for all orders for the current workflow.  9.2BCancel Order Business When the user selects the ‘Cancel Order’ fromAppendix XX Process - Action the WorkFlow Setup2 screen, a ProcessParameter window should appear.  9.2C Process Parameter The ProcessParameter window should Appendix XX Window appear requiring the user tocomplete all fields for the business process.  9.2D Parameter 1 -‘Reason’ The ‘Reason’ field should be the only Appendix XX fieldparameter required by the user that appears on the Process Parameterwindow.  9.2E Parameter 1 - Values The data entered in the ‘Reason’field should Appendix XX populate the Cancellation Form.  9.2F CancelOrder - Action 1 When the order is cancelled via the workflow, AppendixXX the cancellation form should appear under submitted items.  9.2GCancel Order - Action 2 When the order is cancelled via the workflow,Appendix XX the status should change to cancelled.  9.3A Create PlaceOrder Create a business process to place an order Appendix YY BusinessProcess using AVS.  9.3B Parameter 1 - ‘Product The ‘Product Category’combo box should be Appendix YY Category’ Combo Box the first parameterrequired by the user.  9.3C Parameter 1 - Values The ‘Product Category’combo box should Appendix YY include only product categories that therequestor has selected as products to be ordered.  9.3D Parameter 2 -‘Product The ‘Product to Order’ combo box should be Appendix YY toOrder’ Combo Box the second parameter required by the user.  9.3EParameter 2 - Values The ‘Product to Order’ combo box should Appendix YYinclude only products that the requestor has selected as products to beordered.  9.3F Place Order - Action When the order is placed viaworkflow, the Appendix YY order should be placed with the best vendorthat is selected using AVS rules.  9.4A Create Cancel and Create abusiness process to cancel an order Appendix ZZ Reorder Business andre-assign the order with a new vendor Process using AVS.  9.4B Parameter1 - ‘Reason’ The ‘Reason’ field should be the first Appendix ZZ fieldparameter required by the user that appears on the Process Parameterwindow.  9.4C Parameter 1 - Values The data entered in the ‘Reason’field should Appendix ZZ populate the Cancellation Form.  9.4D Parameter2 - ‘Due The ‘Due Date’ combo box should be the Appendix ZZ Date’ ComboBox second parameter required by the user that appears on the ProcessParameter window.  9.4E Parameter 2 - Values The ‘Due Date’ combo boxshould include the Appendix ZZ following values: Same as previous orderCalculate new due date  9.4F Due Date - Rule 1 If ‘Same as previousorder’ is selected from Appendix ZZ the ‘Due Date’ combo box and the duedate for the previous order is not in the past, the new order that iscreated should contain the same due date as the previous order.  9.4GDue Date - Rule 2 If ‘Same as previous order’ is selected from AppendixZZ the ‘Due Date’ combo box and the due date for the previous order isin the past, the new order that is created should contain the due datebased on a standard order time for the product.  9.4G Due Date - Rule 3If ‘Calculate new due date’ is selected from Appendix ZZ the ‘Due Date’combo box, the new order that is created should contain the due datebased on a standard order time for the product.  9.4H Cancel Order -Action 1 When the order is cancelled via the workflow, Appendix ZZ thecancellation form should appear under submitted items.  9.4I CancelOrder - Action 2 When the order is cancelled via the workflow, AppendixZZ the status should change to cancelled.  9.4J Place Order - ActionWhen the order is placed via workflow, the Appendix ZZ order should beplaced with the best vendor that is selected using AVS rules. 11.0Create Vendor Payment Process 11.1 Create Infinium export Create filewith all needed data for vendor file creation payment in Infinium. 11.2Create Infinium import Create Infinium mapping process from file filemapping created in Section (11.1) 12.0 Create Delegate This process willallow other members or Process REAL Trans to place orders for the truerequestor through their account. This will be used solely with theportfolio management upload process. 12.1 Add Delegate menu Add Delegatemenu item under the Appendix PP item under the Admin/More menu item.This will open the Admin/more menu item Delegate Creation Screen 12.2Create Approved This will allow members to approve other Delegate Screenmembers as delegates. 12.2A Create Approved Create Delegate CreationScreen. Appendix LL Delegates Table 12.2A1 Add Company to This shouldshow all members who have been Approved Delegate approved as delegates.Screen 12.2A2 Add Active Date to This should show the date the delegatewas Approved Delegates approved. Screen 12.2B Add “Add” Button to Thisbutton will open Approve Delegate Approved Delegates Screen. Screen12.2C Add “Delete” Button to Add a button to delete the selectedDelegate Approved Delegates from the Approved Delegate list. Screen12.2C1 Approved Delegates If a delegate has not been highlighted whenScreen - Delete Button the Delete button is clicked, the Selection Rule1 Warning Pop up Box should appear (This is created in 12.2D3–12.2D5)12.2C2 Approved Delegates If a delegate has been highlighted the DeleteScreen - Delete Button Warning Pop up Box should appear (This is Rule 2created in 12.2D6–12.2D8) 12.2C3 Approved Delegates Provide a warningmessage that appears if the Screen - Missing ‘Delete’ button is clickedbut there is no Selection Warning Delegate highlighted. The warningshould Message read “Please highlight the Delegate that you would liketo delete from the list above?” 12.2C4 Approved Delegates Provide an‘OK’ button on the warning Screen - Missing message. If the ‘OK’ buttonis clicked the Selection Warning Approved Delegates screen will appear.Message button - OK 12.2C5 Approved Delegates Provide a warning messagethat appears if the Screen - Delete ‘Delete’ button is clicked and thereis a Warning Message Delegate highlighted. The warning should read “Areyou sure you want to Delete the Delegate?” 12.2C6 Approved DelegatesProvide an ‘OK’ button on the warning Screen - Delete message. If the‘OK’ button is clicked all Warning Message changes will be lost and theApproved button - OK Delegates screen will appear. 12.2C7 ApprovedDelegates Provide a ‘Cancel’ button on the warning Screen - Deletemessage. If the ‘Cancel’ button is clicked the Warning Message warningmessage will close and the Approved button - Cancel Delegates screenwill appear. 12.2C8 Approved Delegates When the Delete button is clickedthe Screen - Delete Button - highlighted Delegate should be removed fromAction the list of Delegates. 12.3 Create Approve This will allowmembers to add members as Appendix MM Delegate Screen delegates. 12.3ACreate Approve Create Approve Delegates Screen. Delegates Screen 12.3BAdd Delegate Combo This should be a list box showing all members Box toApprove who have been approved as delegates. Delegates Screen 12.3B1Delegate Combo Box - The Delegate Combo box should contain all Valuesapproved vendors. 12.3C Add “Add” button to the This button will Add theDelegate selected in Approve Delegates the Approve Delegates Screen.Screen 12.3D Add “Add” Button to This button will open Approve DelegatesDelegate Creation Screen. Screen 12.3D1 Approve Delegates Provide awarning message that appears if the Screen - Missing 'Add button isclicked but there is not a Selection Warning Delegate selected from theDelegate Combo Message Box. The warning should read “Please select aDelegate that you would like to add from the list?” 12.3D2 ApproveDelegates Provide an ‘OK’ button on the warning Screen - Missingmessage. If the ‘OK’ button is clicked the Selection Warning ApproveDelegates screen will appear. Message button - OK 12.3D3 ApproveDelegates When the Add button is clicked the selected Screen - Addbutton - vendor should be added as a delegate. Action 1 2.3D4 ApproveDelegates When the Add button is clicked the Delegate Screen - Addbutton - Creation Screen should appear. Action 2 12.4 Enhance PortfolioEnhance the current Portfolio Management Appendix NN Management Screenscreen to allow a vendor to select the owner of a portfolio who hasapproved them as a delegate. 12.4A Add Owner Combo Box Add the OwnerCombo Box to the Portfolio to Portfolio Management screen. ManagementScreen 12.4B Owner Combo Box - The Owner Combo Box should contain allValues requestors that have selected them as an approved Delegate. 13.0ACreate Today Function Create a function to allow the user to enter akeyword “Today” to retrieve the system date. 13.1A Create Today FunctionWhen the keyword Today is entered, the system should use the currentdate for calculating time lapses. Example: Current System Date - Jun. 5,2003 Today Function Results Today - 3 = Jun. 2, 2003 14.0A Create ViewOnly Create View Only fulfillment form that displays Appendix UUFulfillment Form with the completed order fulfillment with thumbnailsThumbnails for all of the attached documents in a separate frame. 14.1ACreate frame for The View Only Fulfillment form should open infulfillment form a separate frame. 14.2A Create Thumbnails for Createthumbnails for all documents that have all attached documents beenattached. 14.3A Add Thumbnails to Display thumbnails for all attacheddocuments Frame for Fulfillment in frame with View Only Fulfillmentform. Form 14.4A Frame for Fulfillment The Frame and thumbnails shouldbe created Form for all of the products listed below: Ocwen CMA OcwenBPO 15.0A Modify Attach Modify the Attach document screen to requireAppendix VV Document Screen the vendor to select the document type froma combo box instead of using free form text fields. 15.1A1 Add DocumentType Add a combo box to allow the vendor to select Combo Box the type ofdocument being attached from a standardized list of documents. 15.1A2Document Type The Document Type Combo box should Combo Box - Valuescontain the following values: Subject Photo Sales Comp 1 Photo SalesComp 2 Photo Sales Comp 3 Photo Listing Comp 1 Photo Listing Comp 2Photo Listing Comp 3 Photo Other 15.1A3 Document Type The user mustselect a value from the Combo Box - Rule 1 Document Type Combo boxbefore attaching any document. 15.0B Modify Submitted Modify theSubmitted Documents screen to Appendix XX Documents Screen display theDocument type. 15.0B1 Add Document Type to Add the Document Type to theSubmitted Submitted Documents Documents screen. Screen

1. A computer-implemented method for electronically facilitating atransaction between a financial institution and an end user, thecomputer comprising a processor and an accessible repository, the methodcomprising: receiving via the processor input specifying thetransaction; identifying via the processor at least one sub-transactionassociated with the transaction; and identifying via the processor avendor from a plurality of vendors for the at least one sub-transactionon the basis of a calculated vendor score; wherein identifying the atleast one sub-transaction occurs automatically and comprises a triggerevent triggering identifying the at least one sub-transaction, thetrigger event comprising a completed second sub-transaction; wherein thevendor score is calculated based on at least a vendor quality score anda vendor service score; and wherein the at least one sub-transaction isidentified as required or optional.
 2. The method of claim 1, whereinthe trigger event comprises a received input specifying the transaction.3. The method of claim 1, wherein the trigger event comprises a thirdsub-transaction having a predetermined status.
 4. The method of claim 1,wherein the trigger event comprises a satisfied decision rule.
 5. Themethod of claim 4, wherein the decision rule is evaluated based on atleast one selected from a group consisting of input specifying thetransaction, a completed second sub-transaction, and a predeterminedstatus of a third sub-transaction.
 6. The method of claim 1, furthercomprising: if the at least one sub-transaction is marked as optional,receiving via the processor input from the end user prior to identifyingthe vendor.
 7. The method of claim 1, wherein identifying a vendorfurther comprises: a trigger event triggering identifying a vendor. 8.The method of claim 7, wherein the trigger event comprises a receivedinput specifying the transaction.
 9. The method of claim 8, wherein thetrigger event comprises a received input from the end user.
 10. Themethod of claim 7, wherein the trigger event comprises a secondcompleted sub-transaction.
 11. The method of claim 7, wherein thetrigger event comprises a third sub-transaction having a predeterminedstatus.
 12. The method of claim 7, wherein the trigger event comprises asatisfied decision rule.
 13. The method of claim 12, wherein thedecision rule is evaluated based on at least one selected from a groupconsisting of input specifying the transaction, a completed secondsub-transaction, and a predetermined status of a third sub-transaction.14. The method of claim 1, further comprising: placing an order with thevendor to complete the sub-transaction.
 15. The method of claim 14,wherein placing the order comprises: a trigger event triggering placingthe order.
 16. The method of claim 15, wherein the trigger eventcomprises a received input specifying the transaction.
 17. The method ofclaim 15, wherein the trigger event comprises a completed secondsub-transaction.
 18. The method of claim 15, wherein the trigger eventcomprises a third sub-transaction having a predetermined status.
 19. Themethod of claim 15, wherein the trigger event comprises a satisfieddecision rule.
 20. The method of claim 19, wherein the decision rule isevaluated based on at least one selected from a group consisting ofinput specifying the transaction, a completed second sub-transaction,and a predetermined status of a third sub-transaction.
 21. The method ofclaim 1, wherein the input specifying the transaction is received fromthe end user.
 22. The method of claim 1, wherein the vendor isautomatically identified.
 23. The method of claim 1, wherein the vendoris manually identified.
 24. The method of claim 23, wherein the vendoris manually identified by the end user.
 25. The method of claim 1,further comprising: obtaining via the processor at least one vendorproperty of the identified vendor.
 26. The method of claim 25, whereinthe at least one vendor property includes one selected from a groupconsisting of vendor capacity, vendor threshold, and vendor late-orderratio.
 27. The method of claim 25, wherein obtaining the at least onevendor property comprises: calculating via the processor the at leastone vendor property.
 28. The method of claim 25, wherein obtaining theat least one vendor property comprises: receiving via the processor theat least one vendor property from an outside source.
 29. The method ofclaim 25, wherein obtaining the at least one vendor property comprises:receiving via the processor vendor data from an outside source.
 30. Themethod of claim 25, further comprising: displaying via the processor theat least one vendor property.
 31. The method of claim 25, wherein theidentified vendor is selected based on the at least one vendor property.32. The method of claim 1, further comprising obtaining at least onevendor performance score.
 33. The method of claim 32, wherein the atleast one vendor performance score includes one selected from a groupconsisting of vendor price, vendor turn-around time, vendor qualityscore, vendor overall score.
 34. The method of claim 32, whereinobtaining the at least one vendor performance score comprises:calculating the at least one vendor performance score.
 35. The method ofclaim 32, wherein obtaining the at least one vendor performance scorecomprises: receiving the at least one vendor performance score from anoutside source.
 36. The method of claim 32, wherein obtaining the atleast one vendor performance score comprises: receiving vendor data froman outside source.
 37. The method of claim 32, further comprising:displaying the at least one vendor performance score.
 38. The method ofclaim 32, wherein the identified vendor is selected based on the atleast one vendor performance score.
 39. A system having a processor anda data repository for electronically facilitating a transaction betweena financial institution and an end user, comprising: means for receivinginput specifying the transaction; first means for identifying thatidentify at least one sub-transaction associated with the transaction;and second means for identifying a vendor from a plurality of vendorsfor the at least one sub-transaction based on a calculated vendor score;wherein identifying the at least one sub-transaction occursautomatically, and the first means for identifying comprise a triggerevent triggering identifying the at least one sub-transaction, thetrigger event comprising a completed second sub-transaction; and whereinthe vendor score is calculated based on at least a vendor quality scoreand a vendor service score.